Credit Union Safety Analysis
Is Carolina Cooperative Federal Credit Union Safe? Charlotte, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Carolina Cooperative Federal Credit Union has a net worth ratio of 14.17%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.73%, 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, Carolina Cooperative Federal Credit Union's net worth ratio is 14.17%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.17%
- Delinquency ratio (60+ days) (Q2 2026): 1.73%
- Return on assets (Q2 2026): 0.10%
- Loan-to-share ratio (Q2 2026): 80.02%
Carolina Cooperative Federal Credit Union (NCUA charter 24801, established 1971) reported $46.3M in assets and 7,860 members for Q2 2026 from Charlotte, North Carolina. It ranks 37 of 56 credit unions in North Carolina by total assets. Total assets fell 6.6% from $49.5M on June 30, 2025. It has 1,927 fewer members than on June 30, 2025 (-19.7%). Its net worth ratio was up 0.69 percentage points from 13.48% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $8.8M of $31.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.73% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 13.84% for Q1 2026; 13.48% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.35% for Q1 2026; 1.59% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.41% for Q1 2026; -0.25% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 79.82% for Q1 2026; 73.46% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $8.8M
- New vehicle loans: $8.0M
- Used vehicle loans: $8.0M
- Commercial loans: $3.1M
- Other unsecured loans and lines of credit: $2.2M
- Unsecured credit card loans: $1.1M
- Other secured non-real estate loans and lines of credit: $140K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $46.3M | 14.17% | 1.73% | 0.10% | 80.02% |
| March 31, 2026 | $47.3M | 13.84% | 1.35% | 0.41% | 79.82% |
| December 31, 2025 | $48.0M | 13.54% | 1.04% | 0.26% | 82.90% |
| September 30, 2025 | $48.1M | 13.43% | 1.37% | -0.50% | 77.58% |
| June 30, 2025 | $49.5M | 13.48% | 1.59% | -0.25% | 73.46% |
| March 31, 2025 | $50.8M | 13.20% | 1.78% | 0.09% | 72.37% |
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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.
Carolina Cooperative Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24801) · FFIEC NIC profile (RSSD 940889)
Frequently asked questions
Is Carolina Cooperative Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Carolina Cooperative Federal Credit Union's net worth ratio is 14.17%, above the 7% NCUA threshold for well capitalized.
Is Carolina Cooperative Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Carolina Cooperative Federal Credit Union is a federally insured credit union (NCUA charter 24801): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Carolina Cooperative Federal Credit Union's key safety ratios?
For Q2 2026, Carolina Cooperative Federal Credit Union reports net worth 14.17%, delinquency 1.73%, ROA 0.10%, loan-to-share 80.02%.
What happens to my money if Carolina Cooperative Federal Credit Union fails?
For Q2 2026, Carolina Cooperative Federal Credit Union held $39.4M in shares and deposits for 7,860 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.