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Carolinas Credit Union League's Member Performance
How the 103 credit unions across Carolinas Credit Union League's footprint are performing — measured against every U.S. credit union, straight from the public NCUA Call Report.
Footprint: North Carolina, South Carolina.
NCUA data through Q1 2026.
Carolinas' 103 credit unions serve 6,949,443 members and hold $116.25B in combined assets. The median Carolinas credit union earned a 0.67% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Carolinas credit unions was -0.30%, compared with -0.55% nationally. Median one-year asset growth was 2.19%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Carolinas at a glance
Carolinas vs. the United States
System totals are the sum of every credit union in Carolinas. The share column is Carolinas' portion of the national figure.
| Measure | Carolinas | United States | Carolinas share |
|---|---|---|---|
| Credit unions | 103 | 4,335 | 2.4% |
| Members | 6,949,443 | 147,031,529 | 4.7% |
| Residents (population) | 16,524,855 | 340,110,988 | 4.9% |
| Total assets | $116.25B | $2,507.50B | 4.6% |
| Total loans | $78.56B | $1,744.86B | 4.5% |
| Total shares & deposits | $100.85B | $2,143.21B | 4.7% |
| Total net worth | $13.25B | $282.23B | 4.7% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Carolinas credit unions report about 42 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Carolinas credit unions serve members in other states, so it overstates true in-state penetration.)
The median Carolinas credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Carolinas CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.67% | 0.66% |
| Net worth ratio | 12.98% | 12.44% |
| Loan-to-share ratio | 73.28% | 67.86% |
| Delinquency ratio | 0.76% | 0.63% |
| Net charge-off ratio | 0.52% | 0.33% |
| Cost of funds | 1.01% | 1.05% |
| Member growth (1 yr) | -0.30% | -0.55% |
| Asset growth (1 yr) | 2.19% | 2.78% |
| Loan growth (1 yr) | 1.13% | 0.63% |
| Share growth (1 yr) | 2.05% | 2.36% |
| Net worth growth (1 yr) | 5.60% | 5.57% |
Trends over time
The median Carolinas credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.78% · 0.72%
— Carolinas ‑‑ U.S.
Net worth ratio 13.15% · 12.46%
— Carolinas ‑‑ U.S.
Loan-to-share ratio 76.26% · 69.70%
— Carolinas ‑‑ U.S.
Delinquency ratio 0.94% · 0.72%
— Carolinas ‑‑ U.S.
Asset growth (1 yr) 3.12% · 3.26%
— Carolinas ‑‑ U.S.
Member growth (1 yr) -0.36% · -0.52%
— Carolinas ‑‑ U.S.
Carolinas leaderboards
Largest by assets
- 1 State Employees' Credit Union $59.76B
- 2 Coastal Credit Union $6.21B
- 3 Truliant Credit Union $5.45B
- 4 Founders Credit Union $5.18B
- 5 North Carolina Local Government Credit Union $3.19B
- 6 South Carolina Credit Union $2.57B
- 7 Allegacy Credit Union $2.57B
- 8 Self-help Credit Union $2.41B
- 9 Self-Help Credit Union $2.15B
- 10 SRP Credit Union $2.08B
Highest return on assets
- 1 Carolina Foothills Credit Union 3.13%
- 2 Scarng Credit Union 2.25%
- 3 SC State Credit Union 2.10%
- 4 Palmetto First Federal Credit Union 1.92%
- 5 Fort Bragg Credit Union 1.72%
- 6 Nucor Employee's Credit Union 1.66%
- 7 Telco Community Credit Union 1.61%
- 8 Truliant Credit Union 1.56%
- 9 AllSouth Credit Union 1.54%
- 10 Allegacy Credit Union 1.47%
Fastest-growing (organic)
- 1 Santee Cooper Credit Union 14.57%
- 2 First Flight Credit Union 10.15%
- 3 Upstate Credit Union 9.88%
- 4 Michelin Tire Corporation Credit Union 9.27%
- 5 CPM Credit Union 8.72%
- 6 Coastal Credit Union 8.54%
- 7 State Employees' Credit Union 7.88%
- 8 Carolina Foothills Credit Union 7.75%
- 9 Greenville Credit Union 6.95%
- 10 North Carolina Community Credit Union 6.92%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Carolinas' footprint (NC, SC) that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.