CAROLINA
Federal • Cherryville, North Carolina • Est. 1969
Quick Facts
- Charter Number
- #19788
- Type
- Federal
- Established
- 1969
- Headquarters
- Cherryville, North Carolina 28021-9211
- Address
- 1200 E Church St
- Branches
- 1
- ATMs
- 1
- Members
- 7,435
- Membership Type
- Occupational
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
7,435 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CAROLINA |
|---|---|
| Total Assets | $84.9M |
| Members | 7,435 |
| Loans Outstanding | $60.6M |
| Shares & Deposits | $74.7M |
| Net Worth | $8.9M |
| Net Worth Ratio | 10.44% |
| Loan-to-Share Ratio | 81.0% |
| Delinquency Rate | 0.74% |
| Net Income | +$149,805 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
1 location · 1 ATMs
Carolina Federal Credit Union
Main Office1200 E Church St
Cherryville, NC 28021-9211
Who Can Join CAROLINA?
Membership Type: Occupational
Membership eligibility for CAROLINA may vary. Contact the credit union directly to confirm qualification requirements.
Contact CAROLINA directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in North Carolina
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View North Carolina RankingsFrequently Asked Questions
CAROLINA is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, CAROLINA has 7,435 members and a potential membership field of 15,445 people.
CAROLINA's reported net worth ratio is 10.44% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
CAROLINA operates 1 branch location and has access to 1 ATMs. The main office is located at 1200 E Church St, Cherryville, NC 28021-9211.
CAROLINA was established in 1969. It is a federal credit union chartered under charter number 19788. The institution has been serving members for 57 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or CAROLINA. All financial data is for informational purposes only.