CU Explorer
Credit unions · South Carolina · Q2 2026

Carolina Trust FCU

Credit union in Myrtle Beach, SC · NCUA charter #12361 · Federal charter

Legal name: Carolina Trust

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$422M
Total loans & leases$328M
Total shares & deposits$376M
Members41,110
Net worth$41.6M
Net worth / assets9.85%
Loans / assets77.63%
Return on assets (annualized)0.92%
Loan growth (YoY)11.36%
Member growth (YoY)−0.93%
Delinquency, all loans (60+ days)0.83%
CharterFederal charter
Asset band$250M–$1B
NCUA peer group$100M–$500M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech mortgage lending, fintech secured lending, fintech unsecured lending, fintech participations, online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, e-signature, e-Statements, external transfers / ACH, remote deposit capture. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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