Carolina Trust Federal Credit Union Myrtle Beach, South Carolina
Carolina Trust Federal Credit Union is a federal credit union headquartered in Myrtle Beach, SC, established in 1958 (NCUA charter 12361), and it is regulated and insured by the NCUA. At Q2 2026 it reported 41,114 members and total assets of $422.0M (up 2.8% from Q2 2025), the 14th largest of 45 credit unions headquartered in South Carolina. Its net worth ratio was 10.04% at Q2 2026, in the well capitalized band.
Also written as Carolina Trust FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 12361
- Headquarters
- Myrtle Beach, SC
- Established
- 1958
- Total assets, Q2 2026
- $422.0M
- Assets vs Q2 2025
- +2.8%
- Members, Q2 2026
- 41,114
- Net worth ratio, Q2 2026
- 10.04%
- Latest call report
- Q2 2026, NCUA 5300 · Carolina Trust Federal Credit Union call report
- Asset rank in state
- 14th of 45 in South Carolina
- Routing number
- 253279510
- Branches
- 7
It has 386 fewer members than on June 30, 2025 (-0.9%). Its net worth ratio was up 0.52 percentage points from 9.52% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $141.0M of $327.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.83% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.04% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in South Carolina
Frequently asked about Carolina Trust Federal Credit Union
How big is Carolina Trust Federal Credit Union?
At Q2 2026 it reported total assets of $422.0M and 41,114 members.
Where is Carolina Trust Federal Credit Union headquartered?
It is headquartered in Myrtle Beach, SC, United States.
When was Carolina Trust Federal Credit Union founded?
It was established in 1958, per NCUA records.
Is Carolina Trust Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 12361): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Carolina Trust Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Carolina Trust Federal Credit Union well capitalized?
Its net worth ratio was 10.04% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Carolina Trust Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.83% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Carolina Trust Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.16% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Myrtle Beach, SC 29577
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1958
- NCUA Charter #
- 12361
- RSSD ID
- 325084
- Members
- 41,114
- Potential members
- 360,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.04% | 11.43% | 29th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.92% | 0.81% | 57th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.35% | 7.02% | 71st above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.76% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 75.58% | 76.55% | 53rd above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.50% | 1.24% | over 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.83% | 0.68% | 42nd below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.26% | 4.92% | 69th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 87.16% | 75.66% | 77th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$422.0M total assets against $410.6M; $375.9M total shares and deposits against $368.6M; $327.6M total loans against $294.2M.
$41.6M net worth against $38.5M.
10.04% net worth ratio against 9.52%.
87.16% loan-to-share ratio against 79.81%.
0.83% delinquency ratio against 0.52%.
0.92% return on assets against 1.03%; 9.35% return on equity against 10.98%.
4.76% net interest margin against 4.59%.
41,114 members against 41,500.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.04% | 0.92% | 0.83% | 87.16% |
| March 31, 2026 | 9.87% | 0.93% | 0.76% | 83.25% |
| December 31, 2025 | 10.02% | 1.32% | 1.18% | 85.03% |
| September 30, 2025 | 9.70% | 1.00% | 0.82% | 83.17% |
| June 30, 2025 | 9.52% | 1.03% | 0.52% | 79.81% |
| March 31, 2025 | 9.16% | 0.77% | 0.57% | 76.69% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.