CAROLINA COOPERATIVE
Federal • Charlotte, North Carolina • Est. 1962
Quick Facts
- Charter Number
- #24801
- Type
- Federal
- Established
- 1962
- Headquarters
- Charlotte, North Carolina 28226
- Address
- 6502 McMahan Dr
- Branches
- 3
- Members
- 8,490
- Membership Type
- Community
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 8% and a delinquency rate below 1.5%. 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
8,490 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CAROLINA COOPERATIVE |
|---|---|
| Total Assets | $47.3M |
| Members | 8,490 |
| Loans Outstanding | $32.3M |
| Shares & Deposits | $40.4M |
| Net Worth | $6.6M |
| Net Worth Ratio | 13.84% |
| Loan-to-Share Ratio | 79.8% |
| Delinquency Rate | 1.35% |
| Net Income | +$48,965 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
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 COOPERATIVE 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 COOPERATIVE has 8,490 members and a potential membership field of 100,000 people.
CAROLINA COOPERATIVE's reported net worth ratio is 13.84% 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 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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or CAROLINA COOPERATIVE. All financial data is for informational purposes only.