CAROLINA TRUST
Charter #12361 · MYRTLE BEACH, SC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 40,399 ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.77% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.52% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.97% sits at the 87th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 59th — a 17-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CAROLINA TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $419.59M | 92th pct | 79th pct |
| Members | 40,399 | 99th pct | 93th pct |
| Net worth ratio | 9.87% | 26th pct | 30th pct |
| Return on average assets | 0.95% | 66th pct | 69th pct |
| Net interest margin | 4.77% | 94th pct | 98th pct |
| Cost of funds | 0.52% | 20th pct | 18th pct |
| Loan-to-share | 83.25% | 76th pct | 59th pct |
| Delinquency 60+ days | 0.76% | 62th pct | 64th pct |
| Net charge-off ratio | 0.97% | 88th pct | 87th pct |
| Loan growth YoY | 2.42% | 70th pct | 54th pct |
| Share growth YoY | 2.33% | 32th pct | 26th pct |
| Efficiency ratio | 74.87% | 37th pct | 34th pct |
structural peer set hash: 5dd3e3750856d636988d1735d2035fcd… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.