CU Explorer
Credit unions · North Carolina · Q2 2026

Carolina Cooperative FCU

Credit union in Charlotte, NC · NCUA charter #24801 · Federal charter

Legal name: Carolina Cooperative

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

Total assets$46.3M
Total loans & leases$31.5M
Total shares & deposits$39.4M
Members7,860
Net worth$6.6M
Net worth / assets14.22%
Loans / assets68.08%
Return on assets (annualized)0.26%
Loan growth (YoY)0.61%
Member growth (YoY)−19.69%
Delinquency, all loans (60+ days)1.73%
CharterFederal charter
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeManufacturing

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 loan application, online loan payments, bill payment, account aggregation, e-signature, e-Statements. 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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