CAROLINA COOPERATIVE
Federal • CHARLOTTE, North Carolina • Est. 1962
Quick Facts
- Charter Number
- #24801
- Type
- Federal
- Established
- 1962
- Headquarters
- CHARLOTTE, North Carolina 28226
- Address
- 6502 MCMAHON DRIVE
- Branches
- 3
- Members
- 8,691
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
8,691 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CAROLINA COOPERATIVE |
|---|---|
| Total Assets | $48.0M |
| Members | 8,691 |
| Loans Outstanding | $34.1M |
| Shares & Deposits | $41.1M |
| Net Worth | $6.5M |
| Net Worth Ratio | 13.54% |
| Loan-to-Share Ratio | 82.9% |
| Delinquency Rate | 1.04% |
| Net Income | +$113,574 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations
Main Office
Main Office6502 McMahan Dr
Charlotte, NC 28226
Monroe
2515 W Roosevelt Blvd Ste A
Monroe, NC 28110
Bessemer
1207 Bessemer City Rd
Gastonia, NC 28052
Who Can Join CAROLINA COOPERATIVE?
Membership Type: Community
Membership eligibility for CAROLINA COOPERATIVE may vary. Contact the credit union directly to confirm qualification requirements.
Contact CAROLINA COOPERATIVE 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 COOPERATIVE 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 COOPERATIVE has 8,691 members and a potential membership field of 100,000 people.
CAROLINA COOPERATIVE's net worth ratio is 13.54% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.5%, CAROLINA COOPERATIVE meets this threshold.
CAROLINA COOPERATIVE operates 3 branch locations. The main office is located at 6502 McMahan Dr, Charlotte, NC 28226.
CAROLINA COOPERATIVE was established in 1962. It is a federal credit union chartered under charter number 24801. The institution has been serving members for 64 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 COOPERATIVE. All financial data is for informational purposes only.