Federal credit union · GREENSBORO, North Carolina · NCUA charter #23386
ACCLAIM
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $58.0M
- Total assets
- 5,016
- Members
- 13.0%
- Net-worth ratio
ACCLAIM scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $58.0M; members 5,016; net-worth ratio 12.98%; health rank #1,949 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,949 of 4,374 health · 2025Q4ACCLAIM · health 85/100 · $58.0M · 2025Q4
- ROA 85/100
- ASSETS 13.0%
- MEM 0.41%
- RANK 1.20%
- PHOTO $58.0M
- BOOK 5,016
- CHARTER #1,949/4,374
- NCUSIF Green River Area
- CAMELS 23386
Call Report peers
ACCLAIM in the assets neighbourhood
ACCLAIM's $58.0M assets sit next to Green River Area ($58.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ACCLAIM vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ACCLAIM - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #23386: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
ACCLAIM vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 76.88% here, 62.60% peer average (+14.28 pp).
- Largest lag: Net Worth Ratio at 12.98% vs peer 13.62% (-0.64 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ACCLAIM: in-state Call Report ranks
- Health composite ranks #22 of 57 among scored North Carolina credit unions.
- By total assets, ACCLAIM is #34 of 57 in North Carolina.
- Member book place in North Carolina: #36 of 57.
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ACCLAIM Call Report trajectory
ACCLAIM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $58.0M (2025Q4) to $58.9M (2026Q1).
- Net-worth ratio shifted -0.01 pp (12.99% → 12.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.3 pts
- Loan-to-Share Ratio 14.7 pts
ACCLAIM health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.98% | -0.64 pp |
| Delinquency Rate | 0.41% | -0.55 pp |
| Return on Assets | 1.20% | +0.54 pp |
| Member Growth | -4.84% | - |
| Loan-to-Share Ratio | 76.88% | +14.28 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $58.9M | - |
| 2025Q4 | $58.0M | 5,016 |
| 2024Q4 | $57.8M | 5,271 |
| 2023Q4 | $57.8M | 5,588 |
Credit Union Details
- Charter Number
- 23386
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- North Carolina
- City
- GREENSBORO
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for ACCLAIM.
| Office | City |
|---|---|
| Banking St (Main Office) | Greensboro, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
More federally-insured credit unions based in North Carolina, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for ACCLAIM - kept outside North Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($58.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- ACCLAIM ranks #1,949 of 4,374 nationally on financial health and #22 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Vision Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Vision Financial
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ACCLAIM financially healthy?
A 12.98% net worth ratio and a 0.41% delinquency rate feed into ACCLAIM's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,949 of 4,374; by total assets it ranks #2,286 of 4,374 nationally (same basis as /rankings/largest); and #34 of 57 within North Carolina. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ACCLAIM compare to other credit unions?
Five weighted metrics from NCUA filings produce ACCLAIM's 85/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ACCLAIM?
ACCLAIM operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ACCLAIM directly for the exact boundaries and application steps.
Is my money safe at ACCLAIM?
Federal credit unions like ACCLAIM are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ACCLAIM's net worth ratio of 12.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ACCLAIM offer compared to banks?
Credit unions like ACCLAIM are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ACCLAIM directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.