Federal credit union · Fayetteville, North Carolina · NCUA charter #7955
Bragg Mutual
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $127.4M
- Total assets
- 9,600
- Members
- 8.3%
- Net-worth ratio
Bragg Mutual scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $127.4M; members 9,600; net-worth ratio 8.26%; health rank #2,797 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,797 of 4,374 health · 2025Q4Bragg Mutual · health 80/100 · $127.4M · 2025Q4
- HEALTH 80/100
- NW 8.3%
- DELQ 1.10%
- ROA 0.24%
- ASSETS $127.4M
- MEM 9,600
- RANK #2,797/4,374
- PHOTO CENLA
- BOOK 7955
Call Report peers
Bragg Mutual in the assets neighbourhood
Bragg Mutual's $127.4M assets sit next to CENLA ($127.4M) 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.
Bragg Mutual 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
80 36th percentile higher than 36% 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
Bragg Mutual - Share Insurance Coverage
Charter #7955'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.
Where Bragg Mutual diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +1.55 pp (73.75% vs 72.20%).
- Largest lag: Net Worth Ratio at 8.26% vs peer 12.11% (-3.85 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Bragg Mutual: in-state Call Report ranks
- In North Carolina, health place is #32 of 57 on the same NCUA-ratio sort used nationally.
- North Carolina assets place: #22 of 57.
- Membership ranks #24 of 57 among North Carolina CUs with a reported count (9,600 members).
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Bragg Mutual Call Report trajectory
Bragg Mutual: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $127.4M (2025Q4) to $130.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (8.38% → 8.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 25.7 pts
- Delinquency Rate 19.3 pts
- Return on Assets 11.0 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.26% | -3.85 pp |
| Delinquency Rate | 1.10% | +0.20 pp |
| Return on Assets | 0.24% | -0.39 pp |
| Member Growth | -0.05% | - |
| Loan-to-Share Ratio | 73.75% | +1.55 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Bragg Mutual filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $130.4M | - |
| 2025Q4 | $127.4M | 9,600 |
| 2024Q4 | $122.0M | 9,605 |
| 2023Q4 | $110.5M | 9,931 |
Credit Union Details
- Charter Number
- 7955
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- North Carolina
- City
- Fayetteville
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Bragg Mutual runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Fayetteville, NC |
| Spout Springs Branch | Cameron, NC |
| Cape Fear Valley Branch | Fayetteville, NC |
| Kenansville Branch | Kenansville, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
Other-state peers near Bragg Mutual
Two NCUA Call Report peer sets for Bragg Mutual, both outside North Carolina so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($127.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Bragg Mutual ranks #2,797 of 4,374 nationally on financial health and #32 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NOVA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NOVA
- 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 Bragg Mutual financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - Bragg Mutual's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,797 of 4,374; by total assets it ranks #1,624 of 4,374 nationally (same basis as /rankings/largest); and #22 of 57 within North Carolina. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.26% net worth ratio and 1.10% delinquency rate are the key drivers.
How does Bragg Mutual compare to other credit unions?
80/100 is Bragg Mutual's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Bragg Mutual?
Bragg Mutual serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Bragg Mutual directly for the current list of qualifying groups.
Is my money safe at Bragg Mutual?
Federal credit unions like Bragg Mutual 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. Bragg Mutual's net worth ratio of 8.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Bragg Mutual offer compared to banks?
Credit unions like Bragg Mutual 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 Bragg Mutual 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.