Federal credit union · RALEIGH, North Carolina · NCUA charter #24003
CIVIC
Health score 32/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 32
- Health / 100
- $3.33B
- Total assets
- 355,581
- Members
- 6.7%
- Net-worth ratio
CIVIC scores 32/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.33B; members 355,581; net-worth ratio 6.68%; health rank #4,364 of 4,374; healthier than 0th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,364 of 4,374 health · 2025Q4CIVIC · health 32/100 · $3.33B · 2025Q4
- RANK 32/100
- PHOTO 6.7%
- BOOK 7.62%
- CHARTER -0.05%
- NCUSIF $3.33B
- CAMELS 355,581
- HEALTH #4,364/4,374
- NW USALLIANCE
- DELQ 24003
Call Report peers
CIVIC in the assets neighbourhood
CIVIC's $3.33B assets sit next to USALLIANCE ($3.33B) 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.
CIVIC 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
32 0th percentile in the bottom 1% 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
CIVIC - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24003 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for CIVIC
- Largest favorable gap: Loan-to-Share Ratio at 106.90% vs peer 83.90% (+23.00 pp).
- Widest shortfall vs peers is Delinquency Rate: +6.75 pp (7.62% vs 0.87%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CIVIC in North Carolina
- In North Carolina, health place is #57 of 57 on the same NCUA-ratio sort used nationally.
- North Carolina assets place: #4 of 57.
- Membership ranks #2 of 57 among North Carolina CUs with a reported count (355,581 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.
CIVIC: 2025Q4 → 2026Q1
CIVIC: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.1% from $3.33B (2025Q4) to $3.19B (2026Q1).
- Net-worth ratio shifted -0.39 pp (7.07% → 6.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
6.68% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 32/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 32.
- Net Worth Ratio 20.1 pts
- Delinquency Rate 0.0 pts
- Return on Assets 4.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.8 pts
CIVIC vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.68% | -4.50 pp |
| Delinquency Rate | 7.62% | +6.75 pp |
| Return on Assets | -0.05% | -0.56 pp |
| Member Growth | -12.83% | - |
| Loan-to-Share Ratio | 106.90% | +23.00 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).
Call Report history - CIVIC
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.19B | - |
| 2025Q4 | $3.33B | 355,581 |
| 2024Q4 | $4.03B | 407,926 |
| 2023Q4 | $4.03B | 403,764 |
Credit Union Details
- Charter Number
- 24003
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- North Carolina
- City
- RALEIGH
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, CIVIC runs 12 offices in 11 different cities.
| Office | City |
|---|---|
| LGFCU WFR Operations Centre (Main Office) | Raleigh, NC |
| Ahoskie | Ahoskie, NC |
| Asheville | Asheville, NC |
| Charlotte | Charlotte, NC |
| Durham | Durham, NC |
| Greensboro | Greensboro, NC |
| Greenville | Greenville, NC |
| Hickory | Hickory, NC |
| Lumberton | Lumberton, NC |
| Murphy | Murphy, NC |
| LGFCU Corporate Office | Raleigh, NC |
| Wilmington | Wilmington, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for CIVIC, 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 ($3.33B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (32/100 here).
Using this data
- CIVIC ranks #4,364 of 4,374 nationally on financial health and #57 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALLEGACY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALLEGACY
- 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 CIVIC financially healthy?
Yes/no aside, the number is 32/100 (Weak) - CIVIC'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 #4,364 of 4,374; by total assets it ranks #152 of 4,374 nationally (same basis as /rankings/largest); and #4 of 57 within North Carolina. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.68% net worth ratio and 7.62% delinquency rate are the key drivers.
How does CIVIC compare to other credit unions?
On PlainCU's health composite, CIVIC lands at 32/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 CIVIC?
CIVIC 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 CIVIC directly for the current list of qualifying groups.
Is my money safe at CIVIC?
Federal credit unions like CIVIC 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. CIVIC's net worth ratio of 6.68% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does CIVIC offer compared to banks?
Credit unions like CIVIC 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 CIVIC 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.