CAROLINAS TELCO
Charter #23494 · Charlotte, NC · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.67% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.41% sits at the 18th percentile of structural peers — worth a closer look.
- Efficiency ratio of 81.71% sits at the 75th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 19th percentile but its structural peers at the 43rd — a 23-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 | CAROLINAS TELCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $514.36M | 4th pct | 26th pct |
| Members | 31,566 | 21th pct | 28th pct |
| Net worth ratio | 14.67% | 92th pct | 87th pct |
| Return on average assets | 0.41% | 29th pct | 18th pct |
| Net interest margin | 3.21% | 30th pct | 31th pct |
| Cost of funds | 1.36% | 41th pct | 59th pct |
| Loan-to-share | 67.55% | 19th pct | 43th pct |
| Delinquency 60+ days | 0.78% | 65th pct | 61th pct |
| Net charge-off ratio | 0.47% | 54th pct | 62th pct |
| Loan growth YoY | -6.04% | 1th pct | 0th pct |
| Share growth YoY | 3.04% | 36th pct | 48th pct |
| Efficiency ratio | 81.71% | 66th pct | 75th pct |
structural peer set hash: 8a8a0c7cef0a663453386ef7b0bf881e… (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.