State credit union · Canton, North Carolina · NCUA charter #60721
CHAMPION
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $554.8M
- Total assets
- 36,146
- Members
- 11.9%
- Net-worth ratio
CHAMPION scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $554.8M; members 36,146; net-worth ratio 11.87%; health rank #943 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#943 of 4,374 health · 2025Q4CHAMPION · health 91/100 · $554.8M · 2025Q4
- CAMELS 91/100
- HEALTH 11.9%
- NW 0.56%
- DELQ 0.59%
- ROA $554.8M
- ASSETS 36,146
- MEM #943/4,374
- RANK HEARTLAND
- PHOTO 60721
Call Report peers
CHAMPION in the assets neighbourhood
CHAMPION's $554.8M assets sit next to HEARTLAND ($554.8M) 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.
CHAMPION 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
91 Top 23% higher than 77% 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
CHAMPION - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60721. See our deposit-insurance coverage note.
Where CHAMPION diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +8.69 pp (92.59% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CHAMPION in North Carolina
- Health composite ranks #11 of 57 among scored North Carolina credit unions.
- By total assets, CHAMPION is #12 of 57 in North Carolina.
- Membership ranks #13 of 57 among North Carolina CUs with a reported count (36,146 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.
CHAMPION: 2025Q4 → 2026Q1
CHAMPION: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.1% from $554.8M (2025Q4) to $555.1M (2026Q1).
- Net-worth ratio shifted +0.13 pp (11.74% → 11.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 13.8 pts
CHAMPION health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.87% | +0.69 pp |
| Delinquency Rate | 0.56% | -0.31 pp |
| Return on Assets | 0.59% | +0.08 pp |
| Member Growth | -0.64% | - |
| Loan-to-Share Ratio | 92.59% | +8.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $555.1M | - |
| 2025Q4 | $554.8M | 36,146 |
| 2024Q4 | $549.6M | 36,379 |
| 2023Q4 | $557.2M | 36,051 |
Credit Union Details
- Charter Number
- 60721
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- North Carolina
- City
- Canton
- Data Quarter
- 2025Q4
Branch Locations (8)
CHAMPION operates 8 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Champion CU - Canton (Main Office) | Canton, NC |
| Champion CU - Arden | Arden, NC |
| Champion CU - Asheville | Asheville, NC |
| Champion CU - Ecusta | Brevard, NC |
| Champion CU - Admin Bldg | Canton, NC |
| Champion CU - Hendersonville | Hendersonville, NC |
| Champion CU - Mills River | Mills River, NC |
| Champion CU - Waynesville | Waynesville, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for CHAMPION
CHAMPION's nationwide photo peers by assets and by health score, excluding North Carolina charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($554.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- CHAMPION ranks #943 of 4,374 nationally on financial health and #11 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Carolinas Telco is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Carolinas Telco
- 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 CHAMPION financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - CHAMPION'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 #943 of 4,374; by total assets it ranks #713 of 4,374 nationally (same basis as /rankings/largest); and #12 of 57 within North Carolina. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.87% net worth ratio and 0.56% delinquency rate are the key drivers.
How does CHAMPION compare to other credit unions?
91/100 is CHAMPION's score on PlainCU's health composite, compared to a peer group average for Over $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 CHAMPION?
Membership eligibility for CHAMPION depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CHAMPION directly for current membership requirements and application steps.
Is my money safe at CHAMPION?
Federal credit unions like CHAMPION 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. CHAMPION's net worth ratio of 11.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CHAMPION offer compared to banks?
Credit unions like CHAMPION 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 CHAMPION 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.