Credit Union Safety Analysis
Is Caro Federal Credit Union Safe? Columbia, South Carolina
Based on its Q2 2026 NCUA 5300 call report, Caro Federal Credit Union has a net worth ratio of 15.41%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.88%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Caro Federal Credit Union's net worth ratio is 15.41%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.41%
- Delinquency ratio (60+ days) (Q2 2026): 0.88%
- Return on assets (Q2 2026): 0.38%
- Loan-to-share ratio (Q2 2026): 73.40%
Caro Federal Credit Union (NCUA charter 24404, established 1967) reported $174.9M in assets and 10,586 members for Q2 2026 from Columbia, South Carolina. It ranks 21 of 45 credit unions in South Carolina by total assets. Total assets grew 38.8% from $126.0M on June 30, 2025. It has 3,310 more members than on June 30, 2025 (+45.5%). Its net worth ratio was down 0.46 percentage points from 15.87% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $35.2M of $109.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.88% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 15.39% for Q1 2026; 15.87% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.79% for Q1 2026; 0.81% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.28% for Q1 2026; 0.50% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 67.07% for Q1 2026; 86.24% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $35.2M
- Commercial loans: $26.8M
- Used vehicle loans: $26.0M
- New vehicle loans: $8.5M
- Other unsecured loans and lines of credit: $6.0M
- Other secured non-real estate loans and lines of credit: $4.5M
- Unsecured credit card loans: $2.5M
- Non-federally guaranteed student loans: $472K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $174.9M | 15.41% | 0.88% | 0.38% | 73.40% |
| March 31, 2026 | $156.1M | 15.39% | 0.79% | 0.28% | 67.07% |
| December 31, 2025 | $125.8M | 15.79% | 0.97% | -0.30% | 78.56% |
| September 30, 2025 | $125.0M | 16.05% | 0.77% | 0.20% | 80.72% |
| June 30, 2025 | $126.0M | 15.87% | 0.81% | 0.50% | 86.24% |
| March 31, 2025 | $126.8M | 15.65% | 0.42% | 0.70% | 87.25% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Caro Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24404) · FFIEC NIC profile (RSSD 576783)
Frequently asked questions
Is Caro Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Caro Federal Credit Union's net worth ratio is 15.41%, above the 7% NCUA threshold for well capitalized.
Is Caro Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Caro Federal Credit Union is a federally insured credit union (NCUA charter 24404): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Caro Federal Credit Union's key safety ratios?
For Q2 2026, Caro Federal Credit Union reports net worth 15.41%, delinquency 0.88%, ROA 0.38%, loan-to-share 73.40%.
What happens to my money if Caro Federal Credit Union fails?
For Q2 2026, Caro Federal Credit Union held $149.7M in shares and deposits for 10,586 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.