Cherryville, North Carolina · Peer group 4
Carolina Credit Union
Carolina Credit Union holds $84.9M in assets across 7,435 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1969. Charter number 19788, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $84.9M |
|---|---|
| Total loans | $60.6M |
| Total shares (deposits) | $74.7M |
| Net worth | $8.9M |
| Members | 7,435 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.0% | |
|---|---|---|
| Loans | 15.8% | higher than 97% of its peer group |
| Deposits | -0.1% | around the 34th percentile of its peer group |
| Members | 2.7% | higher than 90% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 81.0% | around the 85th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.4% | around the 25th percentile of its peer group |
| Return on assets | 0.71% | around the 51st percentile of its peer group |
| Delinquency ratio | 0.74% | around the 57th percentile of its peer group |
| Cash / assets | 17.0% | around the 81st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Carolina Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within North Carolina — the comparison set a peer ratio is measured against.
- Revity Credit Union
Greensboro, NC
$82.9M · 5,866 members
- Welcome Credit Union
MORRISVILLE, NC
$93.8M · 6,330 members
- Wnc Community CU
Waynesville, NC
$94.2M · 4,038 members
- North Carolina Community Credit Union
GOLDSBORO, NC
$102.7M · 5,869 members
- Electel Cooperative Credit Union
Raleigh, NC
$66.5M · 7,381 members
- Lion's Share Credit Union
Salisbury, NC
$65.9M · 12,578 members
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