State credit union · GOLDSBORO, North Carolina · NCUA charter #62673
First Carolina People's
Health score 51/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 51
- Health / 100
- $33.5M
- Total assets
- 2,232
- Members
- 8.6%
- Net-worth ratio
First Carolina People's scores 51/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.5M; members 2,232; net-worth ratio 8.63%; health rank #4,256 of 4,374; healthier than 3rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,256 of 4,374 health · 2025Q4First Carolina People's · health 51/100 · $33.5M · 2025Q4
- PHOTO 51/100
- BOOK 8.6%
- CHARTER 4.87%
- NCUSIF 0.05%
- CAMELS $33.5M
- HEALTH 2,232
- NW #4,256/4,374
- DELQ CHRISTIANSTED
- ROA 62673
Call Report peers
First Carolina People's in the assets neighbourhood
First Carolina People's's $33.5M assets sit next to CHRISTIANSTED ($33.5M) 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.
First Carolina People's 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
51 3rd percentile higher than 3% 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
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 vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +33.67 pp (93.47% vs 59.80%).
- Net Worth Ratio trails the peer set - 8.63% here, 14.86% peer average (-6.23 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
First Carolina People's in North Carolina
- In North Carolina, health place is #54 of 57 on the same NCUA-ratio sort used nationally.
- North Carolina assets place: #42 of 57.
- North Carolina membership ordinal: #45 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.
How First Carolina People's's 5300 filing moved
First Carolina People's: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $33.5M (2025Q4) to $33.7M (2026Q1).
- Net-worth ratio shifted -0.56 pp (9.19% → 8.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.63%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 51/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 51.
- Net Worth Ratio 26.6 pts
- Delinquency Rate 0.0 pts
- Return on Assets 6.9 pts
- Member Growth 4.4 pts
- Loan-to-Share Ratio 13.1 pts
First Carolina People's vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.63% | -6.23 pp |
| Delinquency Rate | 4.87% | +3.73 pp |
| Return on Assets | 0.05% | -0.65 pp |
| Member Growth | -2.58% | - |
| Loan-to-Share Ratio | 93.47% | +33.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
First Carolina People's filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.7M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for First Carolina People's.
| Office | City |
|---|---|
| GOLDSBORO MAIN (Main Office) | GOLDSBORO, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for First Carolina People's
Two NCUA Call Report peer sets for First Carolina People's, 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 ($33.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (51/100 here).
Using this data
- First Carolina People's ranks #4,256 of 4,374 nationally on financial health and #54 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Oteen V. a. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Oteen V. a.
- 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 First Carolina People's financially healthy?
First Carolina People's scores 51/100 (Fair) 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 #4,256 of 4,374; by total assets it ranks #2,763 of 4,374 nationally (same basis as /rankings/largest); and #42 of 57 within North Carolina. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.63% 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 51/100 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 8.63% exceeds 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.
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.