Federal credit union · Fayetteville, North Carolina · NCUA charter #7955
Bragg Mutual
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $127.4M
- Total assets
- 9,600
- Members
- 6.2%
- Net-worth ratio
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.
Bragg Mutual - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)56
- Asset quality (delinquency)77
- Earnings (ROA)74
- Member growth59
- Liquidity (loan-to-share)100
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 6.23% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.23% | 30% |
| Delinquency Rate | 1.10% | 25% |
| Return on Assets | 0.24% | 15% |
| Member Growth | -0.05% | 15% |
| Loan-to-Share Ratio | 73.75% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Bragg Mutual
Bragg Mutual is a federal credit union headquartered in Fayetteville, North Carolina, serving 9,600 members with $127.4M in total assets and $84.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 71/100 (Very Good), anchored by a net worth ratio of 6.23% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #7955 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 1.10% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Meanwhile a 73.75% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.24% on net income of $301K 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 -0.05%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
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 Bragg Mutual financially healthy?
Yes/no aside, the number is 71/100 (Very Good) - Bragg Mutual's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.23% net worth ratio and 1.10% delinquency rate are the key drivers.
How does Bragg Mutual compare to other credit unions?
71/100 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 6.23% is relative to 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.
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.