State credit union · GOLDSBORO, North Carolina · NCUA charter #62673
First Carolina People's
Health score 39/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 39
- Health / 100
- $33.5M
- Total assets
- 2,232
- Members
- 5.7%
- Net-worth ratio
First Carolina People's - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62673 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
First Carolina People's - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)47
- Asset quality (delinquency)0
- Earnings (ROA)46
- Member growth29
- Liquidity (loan-to-share)90
Weighted composite: 39/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 5.67%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.67% | 30% |
| Delinquency Rate | 4.87% | 25% |
| Return on Assets | 0.05% | 15% |
| Member Growth | -2.58% | 15% |
| Loan-to-Share Ratio | 93.47% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $33.5M | 2,232 |
| 2024Q4 | $36.9M | 2,291 |
| 2023Q4 | $32.8M | 2,309 |
Credit Union Details
- Charter Number
- 62673
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- North Carolina
- City
- GOLDSBORO
- Data Quarter
- 2025Q4
What This Data Says About First Carolina People's
First Carolina People's is a state credit union headquartered in GOLDSBORO, North Carolina, serving 2,232 members with $33.5M in total assets and $28.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 39/100 (Weak), anchored by a net worth ratio of 5.67% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #62673 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 4.87% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 93.47% 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 $18K 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 -2.58%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) 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
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 First Carolina People's financially healthy?
First Carolina People's scores 39/100 (Weak) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 5.67% net worth ratio and a 4.87% delinquency rate.
How does First Carolina People's compare to other credit unions?
First Carolina People's scores 39/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 First Carolina People's?
Membership eligibility for First Carolina People's depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Carolina People's directly for current membership requirements and application steps.
Is my money safe at First Carolina People's?
Federal credit unions like First Carolina People's 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. First Carolina People's's net worth ratio of 5.67% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does First Carolina People's offer compared to banks?
Credit unions like First Carolina People's 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 First Carolina People's 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.