Federal credit union · Fayetteville, North Carolina · NCUA charter #13690
Fort Bragg
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $665.8M
- Total assets
- 35,799
- Members
- 12.4%
- Net-worth ratio
Fort Bragg scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $665.8M; members 35,799; net-worth ratio 12.45%; health rank #1,960 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,960 of 4,374 health · 2025Q4Fort Bragg · health 85/100 · $665.8M · 2025Q4
- HEALTH 85/100
- NW 12.4%
- DELQ 0.63%
- ROA 0.89%
- ASSETS $665.8M
- MEM 35,799
- RANK #1,960/4,374
- PHOTO Abilene Teachers
- BOOK 13690
Call Report peers
Fort Bragg in the assets neighbourhood
Fort Bragg's $665.8M assets sit next to Abilene Teachers ($665.5M) 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.
Fort Bragg 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
85 Top 46% higher than 54% 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
Fort Bragg - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #13690: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Fort Bragg
- Largest favorable gap: Net Worth Ratio at 12.45% vs peer 11.18% (+1.27 pp).
- Loan-to-Share Ratio trails the peer set - 67.28% here, 83.90% peer average (-16.62 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Fort Bragg sits in North Carolina
- In North Carolina, health place is #23 of 57 on the same NCUA-ratio sort used nationally.
- Assets rank #11 of 57 inside North Carolina ($665.8M reported).
- Member book place in North Carolina: #14 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.
Fort Bragg Call Report trajectory
Fort Bragg: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $665.8M (2025Q4) to $682.8M (2026Q1).
- Net-worth ratio shifted +0.12 pp (12.33% → 12.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.45%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.7 pts
- Return on Assets 15.0 pts
- Member Growth 2.3 pts
- Loan-to-Share Ratio 14.0 pts
Call Report ratios for Fort Bragg
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.45% | +1.27 pp |
| Delinquency Rate | 0.63% | -0.24 pp |
| Return on Assets | 0.89% | +0.39 pp |
| Member Growth | -3.75% | - |
| Loan-to-Share Ratio | 67.28% | -16.62 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Fort Bragg filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $682.8M | - |
| 2025Q4 | $665.8M | 35,799 |
| 2024Q4 | $645.7M | 37,192 |
| 2023Q4 | $579.9M | 39,570 |
Credit Union Details
- Charter Number
- 13690
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- North Carolina
- City
- Fayetteville
- Data Quarter
- 2025Q4
Branch Locations (5)
Fort Bragg operates 5 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hefner Branch (Main Office) | Fort Bragg, NC |
| Raeford Road Branch | Fayetteville, NC |
| Skibo Branch | Fayetteville, NC |
| Bastogne | Fort Bragg, NC |
| Southern Pines Branch | Southern Pines, 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.
Nationwide credit unions with similar profiles
Fort Bragg's nationwide photo peers by assets and by health score, excluding North Carolina charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($665.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Fort Bragg ranks #1,960 of 4,374 nationally on financial health and #23 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHAMPION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHAMPION
- 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 Fort Bragg financially healthy?
Fort Bragg has a financial health score of 85/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,960 of 4,374; by total assets it ranks #636 of 4,374 nationally (same basis as /rankings/largest); and #11 of 57 within North Carolina. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.45% and delinquency rate of 0.63%.
How does Fort Bragg compare to other credit unions?
85/100 is Fort Bragg's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Fort Bragg?
Fort Bragg operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Fort Bragg directly for the exact boundaries and application steps.
Is my money safe at Fort Bragg?
Federal credit unions like Fort Bragg 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. Fort Bragg's net worth ratio of 12.45% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fort Bragg offer compared to banks?
Credit unions like Fort Bragg 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 Fort Bragg 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.