CAROLINA TRUST Credit Union Profile

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CAROLINA TRUST

Charter #12361 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (843) 448-2133

Fax: (843) 626-3470

Founding Date: N/A

Website: https://www.carolinatrust.org

Personnel & Operations

President: Marlowe, Billy

Manager: Carlisle, B. Timothy

FT Employees: 97

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 7

Hours: MONDAY THRU FRIDAY 8:30 A.M - 5:00 P.M.

Credit Union Profile Summary

CAROLINA TRUST is a FCU Credit Union. With a total of 41,500 members [1], this institution manages approximately $410,599,666 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.52% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 5.27% [1].

Financial Snapshot

Total Assets [1]
$410,599,666

Total economic resources.

Total Loans [1]
$294,196,736

Total value of outstanding loans.

Total Deposits [1]
$368,617,405

Total funds deposited by members.

Members [1]
41,500

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.52%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.92%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
79.81%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
3.83%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
5.27%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
1.21%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1010 21ST AVE N

MYRTLE BEACH, SC, 29577-7485

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 7 branches reported by CAROLINA TRUST (Charter #12361).

Main Office

Carolina Trust Federal Credit Union Main Office

Type: Corporate Office

1010 21st Ave N

Myrtle Beach, SC 29577-7485

Phone: (843) 448-2133

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Conway

Conway Branch

Type: Branch Office

2518 Main St

Conway, SC 29526-3365

Phone: (843) 448-2133

Services: Member Services, ATM, Drive-Thru

Open in Directions

Johnsonville

Johnsonville Branch

Type: Branch Office

422 N Georgetown Hwy

Johnsonville, SC 29555-8056

Phone: (843) 448-2133

Services: Member Services, ATM, Drive-Thru

Open in Directions

Lake City

Lake City Branch

Type: Branch Office

219 W Main St

Lake City, SC 29560-2427

Phone: (843) 448-2133

Services: Member Services, ATM, Drive-Thru

Open in Directions

Little River

Little River Branch

Type: Branch Office

1602 Highway 17

Little River, SC 29566

Phone: (843) 448-2133

Services: Member Services, ATM, Drive-Thru

Open in Directions

Myrtle Beach

Holmestown Road Branch

Type: Branch Office

4254 Holmestown Rd

Myrtle Beach, SC 29588-7839

Phone: (843) 448-2133

Services: Member Services, ATM, Drive-Thru

Open in Directions

Surfside Beach

Surfside Branch

Type: Branch Office

1610 Highway 17 S Ste C

Surfside Beach, SC 29575-6082

Phone: (843) 448-2133

Services: Member Services, ATM, Drive-Thru

Open in Directions