Federal credit union · RALEIGH, North Carolina · NCUA charter #24003
Civic
Health score 24/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 24
- Health / 100
- $3.33B
- Total assets
- 355,581
- Members
- 4.9%
- Net-worth ratio
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.
Civic - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)41
- Asset quality (delinquency)0
- Earnings (ROA)27
- Member growth0
- Liquidity (loan-to-share)53
Weighted composite: 24/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
4.91% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 4.91% | 30% |
| Delinquency Rate | 7.62% | 25% |
| Return on Assets | -0.05% | 15% |
| Member Growth | -12.83% | 15% |
| Loan-to-Share Ratio | 106.90% | 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 | $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
What This Data Says About Civic
355,581 members and $3.33B in total assets sit behind Civic, a federal credit union in RALEIGH, North Carolina, which posts a health score of 24/100 (Weak) on the five-factor composite, with $2.95B in outstanding loans as of Q4 2025 and a net worth ratio of 4.91% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24003 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
7.62% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 106.90% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.05% on net income of $-1565822 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 -12.83%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Civic financially healthy?
Yes/no aside, the number is 24/100 (Weak) - Civic's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 4.91% 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 24/100, 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 4.91% 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.
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.