Carolinas Telco Federal Credit Union Charlotte, North Carolina
Carolinas Telco Federal Credit Union is a federal credit union headquartered in Charlotte, NC, established in 1937 (NCUA charter 23494), and it is regulated and insured by the NCUA. At Q2 2026 it reported 31,584 members and total assets of $506.3M (up 0.2% from Q2 2025), the 13th largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 15.06% at Q2 2026, in the well capitalized band.
Also written as Carolinas Telco 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
- 23494
- Headquarters
- Charlotte, NC
- Established
- 1937
- Total assets, Q2 2026
- $506.3M
- Assets vs Q2 2025
- +0.2%
- Members, Q2 2026
- 31,584
- Net worth ratio, Q2 2026
- 15.06%
- Latest call report
- Q2 2026, NCUA 5300 · Carolinas Telco Federal Credit Union call report
- Asset rank in state
- 13th of 56 in North Carolina
- Routing number
- 253074977
- Branches
- 10
It has 885 fewer members than on June 30, 2025 (-2.7%). Its net worth ratio was up 0.30 percentage points from 14.76% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $184.5M of $295.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.91% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.06% net worth ratio is above that band's 11.43% median.
Frequently asked about Carolinas Telco Federal Credit Union
How big is Carolinas Telco Federal Credit Union?
At Q2 2026 it reported total assets of $506.3M and 31,584 members.
Where is Carolinas Telco Federal Credit Union headquartered?
It is headquartered in Charlotte, NC, United States.
When was Carolinas Telco Federal Credit Union founded?
It was established in 1937, per NCUA records.
Is Carolinas Telco Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 23494): 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 Carolinas Telco Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Carolinas Telco Federal Credit Union well capitalized?
Its net worth ratio was 15.06% 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 Carolinas Telco Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.91% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Carolinas Telco Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 69.51% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Charlotte, NC 28208
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1937
- NCUA Charter #
- 23494
- RSSD ID
- 1016987
- Members
- 31,584
- Potential members
- 3,841,532
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 1 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% | 15.06% | 11.43% | 84th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.63% | 0.81% | 38th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.20% | 7.02% | 28th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.56% | 3.70% | 41st below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 77.17% | 76.55% | 48th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.16% | 1.24% | 56th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.91% | 0.68% | 37th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.72% | 4.92% | 37th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 69.51% | 75.66% | 39th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$506.3M total assets against $505.5M; $425.2M total shares and deposits against $421.5M; $295.6M total loans against $305.2M.
$76.3M net worth against $74.7M.
15.06% net worth ratio against 14.76%.
69.51% loan-to-share ratio against 72.41%.
0.91% delinquency ratio against 1.00%.
0.63% return on assets against 0.52%; 4.20% return on equity against 3.53%.
3.56% net interest margin against 3.28%.
31,584 members against 32,469.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.06% | 0.63% | 0.91% | 69.51% |
| March 31, 2026 | 14.67% | 0.41% | 0.78% | 67.55% |
| December 31, 2025 | 14.77% | 0.36% | 0.95% | 69.79% |
| September 30, 2025 | 14.84% | 0.45% | 1.02% | 74.08% |
| June 30, 2025 | 14.76% | 0.52% | 1.00% | 72.41% |
| March 31, 2025 | 14.40% | 0.29% | 0.97% | 68.88% |
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.