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
Call Report peers
CIVIC in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); CIVIC sits in 30-34 with 8 others.
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
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%).
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).
- No scored North Carolina credit union ranks lower; the next one up, Lion's Share (#56) scores 40/100, 8 points higher.
CIVIC: 2025Q4 → 2026Q1
CIVIC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.1% from $3.33B (2025Q4) to $3.19B (2026Q1).
- Net-worth ratio shifted -0.39 pp (7.07% → 6.68%).
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
CIVIC gives up 68 points in total. Delinquency Rate costs the most, 25 of its 25; Loan-to-Share Ratio loses the least, 7.1.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is CIVIC financially healthy?
CIVIC has a financial health score of 32/100 (Weak) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,364 of 4,374 nationally on health and #57 of 57 in North Carolina. Its net worth ratio is 6.68% and its delinquency rate 7.62%.
How does CIVIC compare to other credit unions?
CIVIC scores 32/100, higher than 0% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (106.90% vs 83.90%). Its widest shortfall is delinquency rate (7.62% vs 0.87%).
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?
CIVIC is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.