CAROLINA
Federal • CHERRYVILLE, North Carolina • Est. 1969
Quick Facts
- Charter Number
- #19788
- Type
- Federal
- Established
- 1969
- Headquarters
- CHERRYVILLE, North Carolina 28021
- Address
- 1200 E CHURCH STREET
- Branches
- 1
- ATMs
- 1
- Members
- 7,386
- Membership Type
- Occupational
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
7,386 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CAROLINA |
|---|---|
| Total Assets | $83.8M |
| Members | 7,386 |
| Loans Outstanding | $60.4M |
| Shares & Deposits | $74.0M |
| Net Worth | $8.7M |
| Net Worth Ratio | 10.40% |
| Loan-to-Share Ratio | 81.6% |
| Delinquency Rate | 0.74% |
| Net Income | +$1,070,491 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View North Carolina RankingsFrequently Asked Questions
Yes. CAROLINA is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CAROLINA has 7,386 members and a potential membership field of 15,445 people.
CAROLINA's net worth ratio is 10.40% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.4%, CAROLINA meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CAROLINA. All financial data is for informational purposes only.