CAROLINA TRUST
Federal • Myrtle Beach, South Carolina • Est. 1958
Quick Facts
- Charter Number
- #12361
- Type
- Federal
- Established
- 1958
- Headquarters
- Myrtle Beach, South Carolina 29577-7485
- Address
- 1010 21st Ave N
- Branches
- 7
- ATMs
- 7
- Members
- 40,399
- Membership Type
- Other/Unknown
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
40,399 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CAROLINA TRUST |
|---|---|
| Total Assets | $419.6M |
| Members | 40,399 |
| Loans Outstanding | $311.8M |
| Shares & Deposits | $374.6M |
| Net Worth | $40.6M |
| Net Worth Ratio | 9.87% |
| Loan-to-Share Ratio | 83.3% |
| Delinquency Rate | 0.76% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in South Carolina
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View South Carolina RankingsFrequently Asked Questions
CAROLINA TRUST 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 TRUST has 40,399 members and a potential membership field of 360,000 people.
CAROLINA TRUST's reported net worth ratio is 9.87% 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 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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or CAROLINA TRUST. All financial data is for informational purposes only.