State credit union · KINSTON, North Carolina · NCUA charter #64034
Greater Kinston
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $14.3M
- Total assets
- 3,829
- Members
- 12.7%
- Net-worth ratio
Greater Kinston scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.3M; members 3,829; net-worth ratio 12.72%; health rank #3,269 of 4,374; healthier than 24th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,269 of 4,374 health · 2025Q4Greater Kinston · health 75/100 · $14.3M · 2025Q4
Call Report peers
Greater Kinston in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Greater Kinston vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Greater Kinston sits in 75-79 with 502 others.
75 24th percentile higher than 24% 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
Where Greater Kinston diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +16.52 pp (76.32% vs 59.80%).
- Net Worth Ratio trails the peer set - 12.72% here, 14.86% peer average (-2.14 pp).
Greater Kinston in North Carolina
- North Carolina health ordinal: #38 of 57.
- North Carolina assets place: #49 of 57.
- Member book place in North Carolina: #39 of 57.
- One place up in North Carolina, LITHIUM (#37) ties at 75/100; one place down, Charlotte Fire Department (#39) scores 74/100, 1 point lower.
Greater Kinston: 2025Q4 → 2026Q1
Greater Kinston: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $14.3M (2025Q4) to $14.3M (2026Q1).
- Net-worth ratio shifted +0.04 pp (12.68% → 12.72%).
This credit union's 12.72% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Greater Kinston gives up 25 points in total. Delinquency Rate costs the most, 14.3 of its 25; Return on Assets and Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.7 pts
- Return on Assets 15.0 pts
- Member Growth 4.2 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for Greater Kinston
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.72% | -2.14 pp |
| Delinquency Rate | 2.29% | +1.14 pp |
| Return on Assets | 0.50% | -0.21 pp |
| Member Growth | -2.69% | - |
| Loan-to-Share Ratio | 76.32% | +16.52 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Greater Kinston
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.3M | - |
| 2025Q4 | $14.3M | 3,829 |
| 2024Q4 | $13.9M | 3,935 |
| 2023Q4 | $14.1M | 3,922 |
Credit Union Details
- Charter Number
- 64034
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- North Carolina
- City
- KINSTON
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Greater Kinston runs one office.
| Office | City |
|---|---|
| GREATER KINSTON CREDIT UNION (Main Office) | KINSTON, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
More federally-insured credit unions based in North Carolina, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Greater Kinston ranks #3,269 of 4,374 nationally on financial health and #38 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TCP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TCP
Frequently Asked Questions
Is Greater Kinston financially healthy?
Greater Kinston has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,269 of 4,374 nationally on health and #38 of 57 in North Carolina. Its net worth ratio is 12.72% and its delinquency rate 2.29%.
How does Greater Kinston compare to other credit unions?
Greater Kinston scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (76.32% vs 59.80%). Its widest shortfall is net worth ratio (12.72% vs 14.86%).
How can I join Greater Kinston?
Membership eligibility for Greater Kinston depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Greater Kinston directly for current membership requirements and application steps.
Is my money safe at Greater Kinston?
Greater Kinston 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. Greater Kinston's net worth ratio of 12.72% 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.