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.
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NCUA 5300 Call Report Masthead
#4,256 of 4,374 health · 2025Q4First Carolina People's · health 51/100 · $33.5M · 2025Q4
Call Report peers
First Carolina People's in the assets neighbourhood
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First Carolina People's vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); First Carolina People's sits in 50-54 with 82 others.
51 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in North Carolina, Weyco Community (#53) scores 60/100, 9 points higher; one place down, Texas Gulf Carolina Emp (#55) scores 48/100, 3 points lower.
How First Carolina People's's 5300 filing moved
First Carolina People's: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $33.5M (2025Q4) to $33.7M (2026Q1).
- Net-worth ratio shifted -0.56 pp (9.19% → 8.63%).
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
First Carolina People's gives up 49 points in total. Delinquency Rate costs the most, 25 of its 25; Loan-to-Share Ratio loses the least, 1.6.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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.
Frequently Asked Questions
Is First Carolina People's financially healthy?
On its 2025Q4 NCUA 5300 filing, First Carolina People's scores 51/100 (Fair), with a 8.63% net worth ratio and 4.87% of loans delinquent. It ranks #4,256 of 4,374 nationally on health and #54 of 57 in North Carolina.
How does First Carolina People's compare to other credit unions?
First Carolina People's scores 51/100, higher than 3% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (93.47% vs 59.80%). Its widest shortfall is net worth ratio (8.63% vs 14.86%).
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?
First Carolina People's is a state-chartered 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. First Carolina People's's net worth ratio of 8.63% exceeds 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.