Carolina Trust

MYRTLE BEACH, SC · 1 · Charter #12361 · www.carolinatrust.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$406.7M
42th percentile
Members
40,191
75th percentile
Total loans
$307.6M
52th percentile
Total shares
$361.8M
46th percentile

Profitability

Return on assets
1.70%
89th percentile
Net interest margin
4.70%
97th percentile
Efficiency ratio
67.68%
17th percentile
Non-interest income ratio
23.05%
73th percentile

Capital & Risk

Net worth ratio
10.05%
36th percentile
Delinquency rate
1.18%
20th percentile
Net charge-off rate
0.52%
38th percentile
Loan-to-share
85.03%
62th percentile

Growth

Member growth YoY
-2.04%
24th percentile
Asset growth YoY
3.26%
36th percentile
Loan growth YoY
9.13%
77th percentile
Share growth YoY
1.76%
25th percentile

Operations

Members / branch
5,742
70th percentile
Assets / member
$10,120
4th percentile
Field of membership penetration
11.16%
74th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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