State credit union · MONROE, North Carolina · NCUA charter #60660
Allvac Savings and
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $8.4M
- Total assets
- 1,414
- Members
- 19.2%
- Net-worth ratio
Allvac Savings and - Share Insurance Coverage
Charter #60660's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Allvac Savings and - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth63
- Liquidity (loan-to-share)100
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 19.18%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.18% | 30% |
| Delinquency Rate | 0.40% | 25% |
| Return on Assets | 1.66% | 15% |
| Member Growth | 0.35% | 15% |
| Loan-to-Share Ratio | 72.48% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $8.4M | 1,414 |
| 2024Q4 | $8.4M | 1,409 |
| 2023Q4 | $8.0M | 1,276 |
Credit Union Details
- Charter Number
- 60660
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- North Carolina
- City
- MONROE
- Data Quarter
- 2025Q4
What This Data Says About Allvac Savings and
Charter #60660, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Allvac Savings and, a state credit union in MONROE, North Carolina with 1,414 members, $8.4M in total assets, and $5.1M in outstanding loans as of Q4 2025. The five-factor composite scores it 94/100 (Excellent), helped by a net worth ratio of 19.18% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.40% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 72.48% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.66% on net income of $140K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.35%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in North Carolina
A look at other North Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Allvac Savings and financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Allvac Savings and carries a financial health score of 94/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.18% net worth ratio and a 0.40% delinquency rate.
How does Allvac Savings and compare to other credit unions?
PlainCU's health composite puts Allvac Savings and at 94/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Allvac Savings and?
Membership eligibility for Allvac Savings and depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Allvac Savings and directly for current membership requirements and application steps.
Is my money safe at Allvac Savings and?
Federal credit unions like Allvac Savings and 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. Allvac Savings and's net worth ratio of 19.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Allvac Savings and offer compared to banks?
Credit unions like Allvac Savings and 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 Allvac Savings and directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.