Charter 12361 · Myrtle Beach, SC
Carolina Trust Federal Credit Union
Carolina Trust Federal Credit Union is a federally chartered credit union in Myrtle Beach, South Carolina, with $422 million in assets and 41,114 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.04%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $422 million
- +2.8% in a year
- Members
- 41,114
- -0.9% in a year
- Net worth ratio
- 10.04%
- Peer median 11.65%
- Loans 60+ days late
- 0.83%
- Peer median 0.70%
- Loans outstanding
- $328 million
- +11.4% in a year
- Shares and deposits
- $376 million
- +2.0% in a year
- Branches
- 7
- 107 employees
- Opened
- 1958
- Federal charter
How Carolina Trust Federal Credit Union compares
NCUA groups credit unions by size; Carolina Trust Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.04% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.83%, is higher than the group median of 0.70%. Loans grew 11.4% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 14 of 45 credit unions headquartered in South Carolina. See all South Carolina credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $422 million | 41,114 | $328 million | 10.04% | 0.83% |
| Q1 2026 | $420 million | 40,399 | $312 million | 9.87% | 0.76% |
| Q4 2025 | $407 million | 40,191 | $308 million | 10.02% | 1.18% |
| Q3 2025 | $409 million | 40,816 | $304 million | 9.70% | 0.82% |
| Q2 2025 | $411 million | 41,500 | $294 million | 9.52% | 0.52% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 360,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 7 sites for Carolina Trust Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Conway Branch
2518 Main St, Conway, SC 29526 - Carolina Trust Federal Credit Union (main office)
1010 21St Ave N, Myrtle Beach, SC 29577 - Lake City Branch
133 W Main St, Lake City, SC 29560 - Johnsonville Branch
422 N Georgetown Hwy, Johnsonville, SC 29555 - Surfside Branch
1610 Highway 17 S Ste C, Surfside Beach, SC 29575 - Holmestown Road Branch
4254 Holmestown Rd, Myrtle Beach, SC 29588 - Little River Branch
1602 Highway 17, Little River, SC 29566
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology