CU Explorer

Caro Smart Financial Solutions

Credit union in Columbia, SC · NCUA charter #24404 · Federal charter

Legal name: Caro

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

Total assets$175M
Total loans & leases$110M
Total shares & deposits$150M
Members10,590
Net worth$27.0M
Net worth / assets15.41%
Loans / assets62.81%
Return on assets (annualized)0.32%
Loan growth (YoY)25.12%
Member growth (YoY)45.49%
Delinquency, all loans (60+ days)0.88%
CharterFederal charter
Asset band$50M–$250M
NCUA peer group$100M–$500M
Sponsor typeEducational

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): online membership application, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. 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.

In the explorer: ten-year history for every metric, balance sheet and income statement drill-downs, percentile rankings against asset-size peers, leaders and board, branches, and growth opportunities.

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