Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 2 Dec 2020 |
| RSSD ID | 576783 |
| Address | 4480 Rosewood Dr, Columbia, SC 29209 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.8 million in 1 award from the U.S. Treasury's CDFI Fund, 2021 (CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as CARO (charter 24404). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $174.9 million (as of 30 Jun 2026) |
|---|---|
| Members | 10,586 (as of 30 Jun 2026) |
| Offices | 6 in 2 states (as of 30 Jun 2026) |
Offices by state and county (6)
South Carolina (4 offices)
- Greenville County (1): 121 Sumner St, Greenville 29601
- Richland County (3): 4480 Rosewood Dr, Columbia 29209 (main office); 4480 Rosewood Dr, Columbia 29209; 710 Pulaski St, Columbia 29201
Kentucky (2 offices)
- Jefferson County (1): 1630 Lyndon Farm Ct Ste 201, Louisville 40223
- Muhlenberg County (1): 13246 State Route 176, Drakesboro 42337
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Caro Federal Credit Union (NCUA charter 24404, filed as “CARO”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $109.9 million, 10,716 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 25.1% from $87.8 million on 30 Jun 2025 |
| Members | 10,586 (as of 30 Jun 2026); 7,276 (as of 30 Jun 2025) |
| Loans per member | $10,380 (total loans divided by members, 30 Jun 2026) |
| Total assets | $174.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $8.5 million | 7.7% |
| Used vehicle loans | $26 million | 23.7% |
| First-lien home mortgages (1-4 family) | $18.6 million | 16.9% |
| Other real estate loans (junior liens, other) | $16.7 million | 15.2% |
| Commercial (business) loans | $26.8 million | 24.4% |
| Credit cards | $2.5 million | 2.2% |
| Other unsecured loans | $6.5 million | 5.9% |
| Leases and other secured loans | $4.5 million | 4.1% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $174.9 million | Larger than 56% of the 9 other certified credit unions in South Carolina (median $148.5 million). |
| Loans as a share of assets | 63% | Median of the same 9 credit unions: 60%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $87.8 million → $109.9 million (+25%) | Median change of 9 other certified credit unions in South Carolina: +2%. Rank by loans held among these 10: 6 → 5. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in South Carolina | 9 | larger than 56% |
| Loans held then vs now | certified credit unions in South Carolina reporting both dates | 9 | rank 6 → 5 of 10 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Columbia and South Carolina
- Business Development Corp of SCLoan fund · Columbia, SCCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Midlands Housing Trust FundLoan fund · Columbia, SCAffordable housing development loansVerified
- Optus BankBank or thrift · Columbia, SCAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…Verified
- Optus Financial CorporationBank holding company · Columbia, SCAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…Verified
Work at Caro Federal Credit Union? Link to this page
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