CAROLINA TRUST
Federal • MYRTLE BEACH, South Carolina • Est. 1958
Quick Facts
- Charter Number
- #12361
- Type
- Federal
- Established
- 1958
- Headquarters
- MYRTLE BEACH, South Carolina 29578-7804
- Address
- 1010 21ST AVE N, P.O.BOX 780004
- Branches
- 7
- ATMs
- 7
- Members
- 40,191
- Membership Type
- Other/Unknown
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
40,191 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CAROLINA TRUST |
|---|---|
| Total Assets | $406.7M |
| Members | 40,191 |
| Loans Outstanding | $307.6M |
| Shares & Deposits | $361.8M |
| Net Worth | $40.9M |
| Net Worth Ratio | 10.02% |
| Loan-to-Share Ratio | 85.0% |
| Delinquency Rate | 1.18% |
| Net Income | +$6,911,969 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
7 locations · 7 ATMs
Conway Branch
2518 Main St
Conway, SC 29526-3365
Carolina Trust Federal Credit Union
Main Office1010 21st Ave N
Myrtle Beach, SC 29577-7485
Lake City Branch
133 W Main St
Lake City, SC 29560-2425
Johnsonville Branch
422 N Georgetown Hwy
Johnsonville, SC 29555
Surfside Branch
1610 Highway 17 S Ste C
Surfside Beach, SC 29575-6082
Who Can Join CAROLINA TRUST?
Membership Type: Other/Unknown
Membership eligibility for CAROLINA TRUST may vary. Contact the credit union directly to confirm qualification requirements.
Contact CAROLINA TRUST directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View South Carolina RankingsFrequently Asked Questions
Yes. CAROLINA TRUST 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 TRUST has 40,191 members and a potential membership field of 360,000 people.
CAROLINA TRUST's net worth ratio is 10.02% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.0%, CAROLINA TRUST meets this threshold.
CAROLINA TRUST operates 7 branch locations and has access to 7 ATMs. The main office is located at 1010 21st Ave N, Myrtle Beach, SC 29577-7485.
CAROLINA TRUST was established in 1958. It is a federal credit union chartered under charter number 12361. The institution has been serving members for 68 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 TRUST. All financial data is for informational purposes only.