CAROLINA TRUST

Charter #12361 | SC

100M-500M (1077 CUs) Micro
10 100M-500M in SC

CAROLINA TRUST has 8 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 16.5% in tier
  • + Relationship Depth Leader: Top 20.3% in tier
  • + ROA 0.15% above tier average
  • + Net Interest Margin 0.99% above tier average
  • + Total Members: Top 1.3% in tier
  • + Total Loans: Top 5.5% in tier
  • + Total Deposits: Top 7.5% in tier
  • + Total Assets: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 19.6% in tier
  • - Indirect Auto Dependency: Bottom 20.1% in tier
  • - Credit Quality Pressure: Bottom 24.3% in tier
  • - Stagnation Risk: Bottom 28.8% in tier
  • - Membership Headwinds: Bottom 32.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Members 40,816
-0.6% YoY-1.6% QoQ
 +25.2K 15,628
-3.4% YoY
 37,124
+2.2% YoY
 33,089
+6.1% YoY
 Top 1.4% in tier
Assets $408.6M
+3.0% YoY-0.5% QoQ
 +$177.3M $231.3M
-0.0% YoY
 $514.3M
+4.6% YoY
 $547.7M
+7.8% YoY
 Top 9.8% in tier
Loans $304.5M
+8.3% YoY+3.5% QoQ
 +$156.7M $147.8M
-1.4% YoY
 $362.8M
+7.0% YoY
 $388.7M
+8.6% YoY
 Top 5.6% in tier
Deposits $366.1M
+1.7% YoY-0.7% QoQ
 +$165.8M $200.3M
-0.0% YoY
 $433.3M
+6.0% YoY
 $464.6M
+9.3% YoY
 Top 7.6% in tier
ROA 0.9%
+54.1% YoY+3.9% QoQ
 +0.1% 0.8%
+15.5% YoY
 1.2%
+18.8% YoY
 0.7%
+273.4% YoY
 62nd in tier
NIM 4.6%
+14.4% YoY+2.5% QoQ
 +1.0% 3.6%
+6.9% YoY
 4.3%
+2.6% YoY
 3.7%
+5.0% YoY
 Top 7.7% in tier
Efficiency Ratio 74.2%
-5.4% YoY+0.4% QoQ
 -3.1% 77.3%
-3.0% YoY
 75.1%
-1.9% YoY
 79.1%
-3.3% YoY
 39th in tier
Delinquency Rate 0.8%
+6.7% YoY+57.0% QoQ
 -0.0 0.9%
+7.6% YoY
 0.9%
+10.3% YoY
 1.2%
-0.9% YoY
 61st in tier
Loan To Share 83.2%
+6.4% YoY+4.2% QoQ
 +10.5% 72.7%
-1.5% YoY
 71.3%
-1.2% YoY
 68.0%
-1.7% YoY
 71st in tier
AMR $16,428
+5.2% YoY+2.9% QoQ
 $-8K $24,363
+2.9% YoY
 $16,641
+2.9% YoY
 $19,418
+1.3% YoY
 Bottom 15.7% in tier
CD Concentration 10.4%
-11.3% YoY+1.5% QoQ
 -14.0% 24.4%
+4.2% YoY
 17.4%
+3.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 25.6%
-2.9% YoY-0.1% QoQ
 +11.7% 14.0%
-5.8% YoY
 5.9%
-5.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#456 of 1006 • Top 16.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.24%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#561 of 1006 • Top 20.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.24%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Growth-at-Risk

risk
#295 of 446 • Bottom 19.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 8.29%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.05% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#324 of 525 • Bottom 20.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.98%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 25.64%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.60%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY

Credit Quality Pressure

risk
#602 of 736 • Bottom 24.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Stagnation Risk

risk
#475 of 550 • Bottom 28.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.93%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.60%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $16.4K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 10.42%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#536 of 550 • Bottom 32.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.60%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

15
Total Members
engagement
Value: 40,816
Peer Avg: 15,628
#15 of 1077 Top 1.3% in 100M-500M tier
60
Total Loans
balance_sheet
Value: $304.47M
Peer Avg: $147.80M
#60 of 1077 Top 5.5% in 100M-500M tier
82
Total Deposits
balance_sheet
Value: $366.06M
Peer Avg: $200.29M
#82 of 1077 Top 7.5% in 100M-500M tier
83
Net Interest Margin (NIM)
profitability
Value: 4.58%
Peer Avg: 3.58%
#83 of 1077 Top 7.6% in 100M-500M tier
106
Total Assets
balance_sheet
Value: $408.62M
Peer Avg: $231.30M
#106 of 1077 Top 9.7% in 100M-500M tier
123
Share Certificate Concentration (%)
balance_sheet
Value: 10.42%
Peer Avg: 23.61%
#123 of 1077 Top 11.3% in 100M-500M tier
189
Members Per Employee (MPE)
engagement
Value: 408.160
Peer Avg: 332.881
#189 of 1077 Top 17.5% in 100M-500M tier
232
Loan Growth Rate
growth
Value: 8.29%
Peer Avg: 3.45%
#232 of 1077 Top 21.4% in 100M-500M tier

Top Weaknesses (3 metrics)

908
Average Member Relationship (AMR)
engagement
Value: $16,428
Peer Avg: $24,363
#908 of 1077 Bottom 15.8% in 100M-500M tier
854
Indirect Auto Concentration (%)
balance_sheet
Value: 25.64%
Peer Avg: 13.34%
#854 of 1077 Bottom 20.8% in 100M-500M tier
829
Net Worth Ratio
risk
Value: 9.70%
Peer Avg: 12.15%
#829 of 1077 Bottom 23.1% in 100M-500M tier