Carolina Trust
Myrtle Beach, SC · Charter 12361 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$422.0MAssets
$327.6MLoans
$375.9MShares
$41.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 85% of credit unions under $1B in assets (rank 246 of 1683).
- Widest gap: equity / assets trails 81% of credit unions under $1B in assets (rank 1370 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.92%
Rank 652 of 1,683
Net Interest Margin
4.72%
Rank 246 of 1,683
Efficiency Ratio
75.23%
Rank 686 of 1,682
Equity / Assets
9.85%
Rank 1,370 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.35% | 0.74% | 1.18% | Beats 61% | 652 / 1,683 | |
| Return on Equity | 9.38% | 2.67% | 5.89% | 8.74% | Beats 80% | 343 / 1,681 | |
| Net Interest Margin | 4.72% | 3.31% | 3.82% | 4.32% | Beats 85% | 246 / 1,683 | |
| Efficiency Ratio | 75.23% | 68.91% | 78.20% | 86.93% | Beats 59% | 686 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.83% | 0.26% | 0.65% | 1.29% | Beats 42% | 980 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.85% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,370 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.85% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,370 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 87.16% | 52.61% | 69.38% | 83.50% | 81st pctl | 315 / 1,683 | |
| Loans / Assets | 77.63% | 44.71% | 59.18% | 70.72% | 88th pctl | 201 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |