Charter 23494 · Charlotte, NC
Carolinas Telco Federal Credit Union
Carolinas Telco Federal Credit Union is a federally chartered credit union in Charlotte, North Carolina, with $506 million in assets and 31,584 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 15.06%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $506 million
- +0.2% in a year
- Members
- 31,584
- -2.7% in a year
- Net worth ratio
- 15.06%
- Peer median 10.79%
- Loans 60+ days late
- 0.91%
- Peer median 0.67%
- Loans outstanding
- $296 million
- -3.2% in a year
- Shares and deposits
- $425 million
- +0.9% in a year
- Branches
- 8
- 96 employees
- Opened
- 1979
- Federal charter
How Carolinas Telco Federal Credit Union compares
NCUA groups credit unions by size; Carolinas Telco Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 15.06% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.91%, is higher than the group median of 0.67%. Loans fell 3.2% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 13 of 57 credit unions headquartered in North Carolina. See all North Carolina credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $506 million | 31,584 | $296 million | 15.06% | 0.91% |
| Q1 2026 | $514 million | 31,566 | $291 million | 14.67% | 0.78% |
| Q4 2025 | $507 million | 31,631 | $297 million | 14.77% | 0.95% |
| Q3 2025 | $507 million | 32,455 | $309 million | 14.84% | 1.02% |
| Q2 2025 | $505 million | 32,469 | $305 million | 14.76% | 1.00% |
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 3.8 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 10 sites for Carolinas Telco 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.
- Raleigh
5712 Creedmoor Rd, Raleigh, NC 27612 - Charlotte - Central Ave.
5023 Central Ave, Charlotte, NC 28205 - Greenville
1020 Woodruff Rd, Greenville, SC 29607 - Columbia (Outlet Pointe)
110 Outlet Pointe Blvd, Columbia, SC 29210 - Gastonia
324 Burtonwood Dr, Gastonia, NC 28054 - Cornelius (Lake Norman)
20121 N Main St, Cornelius, NC 28031 - Corelation
2305 Historic Decatur Rd Ste 300, San Diego, CA 92106 - Charlotte - South Blvd.
9813 South Blvd Ste 101, Charlotte, NC 28273 - Harris Corners (main office)
9300 Harris Corners Pkwy, Charlotte, NC 28269 - Charlotte - Tuckaseegee Rd.
3921 Tuckaseegee Rd, Charlotte, NC 28208
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