CAROLINAS TELCO
Federal • Charlotte, North Carolina • Est. 1979
Quick Facts
- Charter Number
- #23494
- Type
- Federal
- Established
- 1979
- Headquarters
- Charlotte, North Carolina 28266
- Address
- PO Box 668467
- Branches
- 10
- ATMs
- 8
- Members
- 31,631
- Membership Type
- Community
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
31,631 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CAROLINAS TELCO |
|---|---|
| Total Assets | $507.2M |
| Members | 31,631 |
| Loans Outstanding | $296.5M |
| Shares & Deposits | $424.9M |
| Net Worth | $74.9M |
| Net Worth Ratio | 14.77% |
| Loan-to-Share Ratio | 69.8% |
| Delinquency Rate | 0.95% |
| Net Income | +$4,656,224 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
10 locations · 8 ATMs
Raleigh
5712 Creedmoor Rd
Raleigh, NC 27612
Charlotte - Central Ave.
5023 Central Ave
Charlotte, NC 28205
Greenville
1020 Woodruff Rd
Greenville, SC 29607
Columbia (Outlet Pointe)
110 Outlet Pointe Blvd
Columbia, SC 29210
Gastonia
324 Burtonwood Dr
Gastonia, NC 28054
Who Can Join CAROLINAS TELCO?
Membership Type: Community
Membership eligibility for CAROLINAS TELCO may vary. Contact the credit union directly to confirm qualification requirements.
Contact CAROLINAS TELCO 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. CAROLINAS TELCO 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, CAROLINAS TELCO has 31,631 members and a potential membership field of 3,125,094 people.
CAROLINAS TELCO's net worth ratio is 14.77% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.8%, CAROLINAS TELCO meets this threshold.
CAROLINAS TELCO operates 10 branch locations and has access to 8 ATMs. The main office is located at 9115 Harris Corners Pkwy, Charlotte, NC 28269-3709.
CAROLINAS TELCO was established in 1979. It is a federal credit union chartered under charter number 23494. The institution has been serving members for 47 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CAROLINAS TELCO. All financial data is for informational purposes only.