Federal credit union · Durham, North Carolina · NCUA charter #18616
Duke University
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $202.3M
- Total assets
- 15,547
- Members
- 10.5%
- Net-worth ratio
Duke University scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $202.3M; members 15,547; net-worth ratio 10.51%; health rank #2,148 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,148 of 4,374 health · 2025Q4Duke University · health 84/100 · $202.3M · 2025Q4
- PHOTO 84/100
- BOOK 10.5%
- CHARTER 1.09%
- NCUSIF 0.56%
- CAMELS $202.3M
- HEALTH 15,547
- NW #2,148/4,374
- DELQ STATEWIDE
- ROA 18616
Call Report peers
Duke University in the assets neighbourhood
Duke University's $202.3M assets sit next to STATEWIDE ($202.4M) 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.
Duke University 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
84 Top 50% higher than 50% 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
Duke University - Share Insurance Coverage
Charter #18616's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Duke University: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 54.11% vs peer 72.20% (-18.09 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Carolina standing for Duke University
- North Carolina health ordinal: #25 of 57.
- Assets rank #20 of 57 inside North Carolina ($202.3M reported).
- Member book place in North Carolina: #20 of 57.
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Duke University Call Report trajectory
Duke University: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $202.3M (2025Q4) to $204.8M (2026Q1).
- Net-worth ratio shifted +0.17 pp (10.34% → 10.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.51% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.4 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 11.9 pts
Duke University vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.51% | -1.60 pp |
| Delinquency Rate | 1.09% | +0.19 pp |
| Return on Assets | 0.56% | -0.06 pp |
| Member Growth | -0.71% | - |
| Loan-to-Share Ratio | 54.11% | -18.09 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Duke University filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $204.8M | - |
| 2025Q4 | $202.3M | 15,547 |
| 2024Q4 | $194.3M | 15,658 |
| 2023Q4 | $194.0M | 15,680 |
Credit Union Details
- Charter Number
- 18616
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $100M–$500M
- State
- North Carolina
- City
- Durham
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Duke University, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Durham, NC |
| Carolina Foothills CU | Greenville, SC |
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.
Cross-state Call Report peers for Duke University
Cross-state asset and health neighbours for Duke University - kept outside North Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($202.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Duke University ranks #2,148 of 4,374 nationally on financial health and #25 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- R T P is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with R T P
- 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 Duke University financially healthy?
Duke University scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,148 of 4,374; by total assets it ranks #1,268 of 4,374 nationally (same basis as /rankings/largest); and #20 of 57 within North Carolina. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.51% net worth ratio and a 1.09% delinquency rate.
How does Duke University compare to other credit unions?
On PlainCU's health composite, Duke University lands at 84/100, compared to a peer group average for $100M–$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 Duke University?
Duke University is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Duke University directly to confirm eligibility.
Is my money safe at Duke University?
Federal credit unions like Duke University 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. Duke University's net worth ratio of 10.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Duke University offer compared to banks?
Credit unions like Duke University 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 Duke University 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.