Total Assets
$514.4M
Total Deposits
$430.4M
Branches
10
Established
1979
CAROLINAS TELCO is a credit union headquartered in Charlotte, North Carolina, established in 1979. It holds $514.4M in total assets across 10 branch locations. In our editorial opinion, based on public FDIC/NCUA data, CAROLINAS TELCO earns a TFS Financial Health Grade of C+ (70.2/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
70.2 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through March 31, 2026. Updated by TFS August 28, 2026. Data sourced from NCUA Call Reports as of 2026-Q1. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Harris CornersHQ | 9115 Harris Corners Pkwy | Charlotte | NC | Full Service |
| Corelation | 2305 Historic Decatur Rd Ste 300 | San Diego | CA | Full Service |
| Charlotte - Central Ave. | 5023 Central Ave | Charlotte | NC | Full Service |
| Charlotte - South Blvd. | 9813 South Blvd Ste 101 | Charlotte | NC | Full Service |
| Charlotte - Tuckaseegee Rd. | 3921 Tuckaseegee Rd | Charlotte | NC | Full Service |
| Cornelius (Lake Norman) | 20221 W Catawba Ave | Cornelius | NC | Full Service |
| Gastonia | 324 Burtonwood Dr | Gastonia | NC | Full Service |
| Raleigh | 5712 Creedmoor Rd | Raleigh | NC | Full Service |
| Columbia (Outlet Pointe) | 110 Outlet Pointe Blvd | Columbia | SC | Full Service |
| Greenville | 1020 Woodruff Rd | Greenville | SC | Full Service |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
70.2
Net worth ratio
14.67%
Return on assets
0.41%
60+ day delinquency
0.78%
Suggested direct comparisons
Charlotte, NC
$176.3M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.