State credit union · Canton, North Carolina · NCUA charter #60721
Champion
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $554.8M
- Total assets
- 36,146
- Members
- 10.4%
- Net-worth ratio
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.
Champion - 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)100
- Asset quality (delinquency)98
- Earnings (ROA)100
- Member growth52
- Liquidity (loan-to-share)92
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.39% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.39% | 30% |
| Delinquency Rate | 0.56% | 25% |
| Return on Assets | 0.59% | 15% |
| Member Growth | -0.64% | 15% |
| Loan-to-Share Ratio | 92.59% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Champion
The five-factor composite scores Champion at 91/100 (Excellent), reflecting a net worth ratio of 10.39% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Canton, North Carolina, reports 36,146 members, $554.8M in total assets, and $434.6M in outstanding loans as of Q4 2025 under charter #60721 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
On loan book quality: 0.56% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 92.59% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.59% on net income of $3.3M 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 -0.64%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.39% 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 10.39% 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.
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.