Carolina Cooperative Federal Credit Union

Charlotte, NC

Rating Date

December 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Carolina Cooperative Federal Credit Union Charlotte, NC	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	6.20
Capitalization Index	10.00
Liquidity Index	4.60
Profitability Index	2.30
Stability Index	5.40

Company Info	Carolina Cooperative Federal Credit Union Charlotte, NC	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	4986
Phone Number	(704) 543-8901
Website	www.carolinacoopcu.com

Asset Quality	Carolina Cooperative Federal Credit Union Charlotte, NC	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-5.28%
5-Year Asset Growth	4.74%
5-Year Charge-Offs to Average Loans	0.40%
Charge-Offs to Average Loans	0.66%
Non-Performing Assets to Assets	0.92%
Non-Performing Loans to Capital	6.49%
Non-Performing Loans to Loans	1.37%

Balance Sheet	Carolina Cooperative Federal Credit Union Charlotte, NC	Click to Compare	Click to Compare	Click to Compare
Total Assets	48.13M
Total Deposits	41.26M

Capital and Reserves	Carolina Cooperative Federal Credit Union Charlotte, NC	Click to Compare	Click to Compare	Click to Compare
Capital	6.32M
Leverage Ratio	13.48
Loan Loss Reserves to Loans	1.48%

Liquidity	Carolina Cooperative Federal Credit Union Charlotte, NC	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	16.66%
Liquidity Ratio	37.67%

Profitability	Carolina Cooperative Federal Credit Union Charlotte, NC	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.62%
Net Income	-79.00K
Net Interest Spread	4.87%
Operating Profit to Average Assets	0.12%
Overhead Efficiency Ratio	97.82%
Return on Assets	-0.21%
Return on Equity	-1.65%