CAROLINAS TELCO

Charter #23494 | NC

500M-750M (169 CUs) Community (281 CUs)
3 500M-750M in NC

CAROLINAS TELCO has 7 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 27.0% in tier
  • + Organic Growth Leader: Top 27.9% in tier
  • + Organic Growth Engine: Top 28.0% in tier
  • + Wallet Share Momentum: Top 32.7% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 4.7% in tier
  • + Net Worth Ratio: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 13.8% in tier
  • - ROA 0.24% below tier average
  • - Efficiency ratio 0.47% above tier (higher cost structure)
  • - Delinquency rate 0.22% above tier average
  • - Total Deposits: Bottom 1.8% in tier
  • - Total Assets: Bottom 3.0% in tier
  • - Total Loans: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Members 32,455
+1.0% YoY-0.0% QoQ
 -7.3K 39,752
-2.7% YoY
 91,841
+6.6% YoY
 33,089
+6.1% YoY
 27th in tier
Assets $506.6M
-4.3% YoY+0.2% QoQ
 $-115.8M $622.4M
+0.3% YoY
 $1.5B
+5.5% YoY
 $547.7M
+7.8% YoY
 Bottom 2.4% in tier
Loans $309.4M
+6.7% YoY+1.4% QoQ
 $-126.5M $435.9M
-0.4% YoY
 $1.1B
+9.9% YoY
 $388.7M
+8.6% YoY
 Bottom 8.3% in tier
Deposits $417.7M
-0.2% YoY-0.9% QoQ
 $-120.3M $538.0M
+1.3% YoY
 $1.3B
+12.1% YoY
 $464.6M
+9.3% YoY
 Bottom 1.2% in tier
ROA 0.4%
-186.8% YoY+4.0% QoQ
 -0.2% 0.7%
+33.9% YoY
 0.4%
-19.0% YoY
 0.7%
+273.4% YoY
 36th in tier
NIM 3.2%
-0.4% YoY+1.9% QoQ
 -0.2% 3.4%
+8.6% YoY
 4.1%
+4.0% YoY
 3.7%
+5.0% YoY
 34th in tier
Efficiency Ratio 78.6%
-12.6% YoY-0.2% QoQ
 +0.5% 78.1%
-3.4% YoY
 81.5%
-1.2% YoY
 79.1%
-3.3% YoY
 51st in tier
Delinquency Rate 1.0%
-27.4% YoY+1.4% QoQ
 +0.2 0.8%
-4.9% YoY
 1.5%
+2.4% YoY
 1.2%
-0.9% YoY
 Top 23.7% in tier
Loan To Share 74.1%
+6.9% YoY+2.3% QoQ
 -6.9% 81.0%
-1.8% YoY
 76.3%
+1.1% YoY
 68.0%
-1.7% YoY
 27th in tier
AMR $22,403
+1.6% YoY+0.1% QoQ
 $-4K $26,482
+2.6% YoY
 $17,441
+4.0% YoY
 $19,418
+1.3% YoY
 33rd in tier
CD Concentration 14.9%
+25.0% YoY+11.7% QoQ
 -9.6% 24.4%
+4.2% YoY
 20.6%
+2.2% YoY
 19.6%
+6.2% YoY
 Bottom 18.4% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.3%
-2.9% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#744 of 1006 • Top 27.0% in tier

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

Why This Signature
AMR Growth (YoY): 1.59%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Leader

growth
#368 of 430 • Top 27.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.00%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth
#514 of 603 • Top 28.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.00%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.42%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth
#901 of 1006 • Top 32.7% in tier

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

Why This Signature
AMR Growth (YoY): 1.59%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (1)

Liquidity Overhang

risk
#214 of 552 • Bottom 13.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.84%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 74.08%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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 169 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
9
Share Certificate Concentration (%)
balance_sheet
Value: 14.85%
Peer Avg: 26.87%
#9 of 169 Top 4.7% in 500M-750M tier
14
Net Worth Ratio
risk
Value: 14.84%
Peer Avg: 10.94%
#14 of 169 Top 7.7% in 500M-750M tier

Top Weaknesses (8 metrics)

167
Total Deposits
balance_sheet
Value: $417.69M
Peer Avg: $538.02M
#167 of 169 Bottom 1.8% in 500M-750M tier
165
Total Assets
balance_sheet
Value: $506.56M
Peer Avg: $622.38M
#165 of 169 Bottom 3.0% in 500M-750M tier
155
Total Loans
balance_sheet
Value: $309.41M
Peer Avg: $435.95M
#155 of 169 Bottom 8.9% in 500M-750M tier
153
Asset Growth Rate
growth
Value: -4.30%
Peer Avg: 4.33%
#153 of 169 Bottom 10.1% in 500M-750M tier
144
Deposit Growth Rate
growth
Value: -0.21%
Peer Avg: 5.25%
#144 of 169 Bottom 15.4% in 500M-750M tier
133
First Mortgage Concentration (%)
balance_sheet
Value: 45.47%
Peer Avg: 33.53%
#133 of 169 Bottom 21.9% in 500M-750M tier
132
Net Charge-Off Rate
risk
Value: 0.77%
Peer Avg: 0.51%
#132 of 169 Bottom 22.5% in 500M-750M tier
130
Total Delinquency Rate (60+ days)
risk
Value: 1.02%
Peer Avg: 0.80%
#130 of 169 Bottom 23.7% in 500M-750M tier