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
Call Report peers
Bragg Mutual in the assets neighbourhood
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Bragg Mutual vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Bragg Mutual sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in North Carolina, State Employees' (#31) ties at 80/100; one place down, WELCOME (#33) scores 78/100, 2 points lower.
Bragg Mutual Call Report trajectory
Bragg Mutual: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $127.4M (2025Q4) to $130.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (8.38% → 8.26%).
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
Bragg Mutual gives up 20 points in total. Member Growth costs the most, 6.1 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Bragg Mutual financially healthy?
On its 2025Q4 NCUA 5300 filing, Bragg Mutual scores 80/100 (Excellent), with a 8.26% net worth ratio and 1.10% of loans delinquent. It ranks #2,797 of 4,374 nationally on health and #32 of 57 in North Carolina.
How does Bragg Mutual compare to other credit unions?
Bragg Mutual scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (73.75% vs 72.20%). Its widest shortfall is net worth ratio (8.26% vs 12.11%).
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?
Bragg Mutual is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.