Credit Union Safety Analysis
Is Carolinas Telco Federal Credit Union Safe? Charlotte, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Carolinas Telco Federal Credit Union has a net worth ratio of 15.06%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.91%, 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, Carolinas Telco Federal Credit Union's net worth ratio is 15.06%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.06%
- Delinquency ratio (60+ days) (Q2 2026): 0.91%
- Return on assets (Q2 2026): 0.63%
- Loan-to-share ratio (Q2 2026): 69.51%
Carolinas Telco Federal Credit Union (NCUA charter 23494, established 1937) reported $506.3M in assets and 31,584 members for Q2 2026 from Charlotte, North Carolina. It ranks 13 of 56 credit unions in North Carolina by total assets. Total assets grew 0.2% from $505.5M on June 30, 2025. 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.
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: 14.67% for Q1 2026; 14.76% 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: 0.78% for Q1 2026; 1.00% 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: 0.41% for Q1 2026; 0.52% 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: 67.55% for Q1 2026; 72.41% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $184.5M
- Used vehicle loans: $30.9M
- Other unsecured loans and lines of credit: $24.4M
- Commercial loans: $19.7M
- Unsecured credit card loans: $15.5M
- New vehicle loans: $14.5M
- Other secured non-real estate loans and lines of credit: $6.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $506.3M | 15.06% | 0.91% | 0.63% | 69.51% |
| March 31, 2026 | $514.4M | 14.67% | 0.78% | 0.41% | 67.55% |
| December 31, 2025 | $507.2M | 14.77% | 0.95% | 0.36% | 69.79% |
| September 30, 2025 | $506.6M | 14.84% | 1.02% | 0.45% | 74.08% |
| June 30, 2025 | $505.5M | 14.76% | 1.00% | 0.52% | 72.41% |
| March 31, 2025 | $513.3M | 14.40% | 0.97% | 0.29% | 68.88% |
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Free to use. It shows Carolinas Telco Federal Credit Union’s latest filed figures and updates each quarter.
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.
Carolinas Telco Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 23494) · FFIEC NIC profile (RSSD 1016987)
Frequently asked questions
Is Carolinas Telco Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Carolinas Telco Federal Credit Union's net worth ratio is 15.06%, above the 7% NCUA threshold for well capitalized.
Is Carolinas Telco Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Carolinas Telco Federal Credit Union is a federally insured credit union (NCUA charter 23494): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Carolinas Telco Federal Credit Union's key safety ratios?
For Q2 2026, Carolinas Telco Federal Credit Union reports net worth 15.06%, delinquency 0.91%, ROA 0.63%, loan-to-share 69.51%.
What happens to my money if Carolinas Telco Federal Credit Union fails?
For Q2 2026, Carolinas Telco Federal Credit Union held $425.2M in shares and deposits for 31,584 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.