State credit union · Greenville, North Carolina · NCUA charter #62985
GUCO
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $9.8M
- Total assets
- 1,391
- Members
- 18.2%
- Net-worth ratio
GUCO scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.8M; members 1,391; net-worth ratio 18.24%; health rank #3,388 of 4,374; healthier than 21st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,388 of 4,374 health · 2025Q4GUCO · health 73/100 · $9.8M · 2025Q4
Call Report peers
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GUCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GUCO sits in 70-74 with 317 others.
73 21st percentile higher than 21% 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 GUCO diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 80.70% vs peer 63.60% (+17.10 pp).
- Net Worth Ratio trails the peer set - 18.24% here, 19.06% peer average (-0.82 pp).
North Carolina standing for GUCO
- North Carolina health ordinal: #41 of 57.
- By total assets, GUCO is #52 of 57 in North Carolina.
- North Carolina membership ordinal: #52 of 57.
- One place up in North Carolina, Blue Flame (#40) scores 74/100, 1 point higher; one place down, Carolinas Telco (#42) scores 71/100, 2 points lower.
GUCO: 2025Q4 → 2026Q1
GUCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $9.8M (2025Q4) to $10.0M (2026Q1).
- Net-worth ratio shifted -0.21 pp (18.45% → 18.24%).
18.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
GUCO gives up 27 points in total. Return on Assets costs the most, 13.5 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 1.5 pts
- Member Growth 1.8 pts
- Loan-to-Share Ratio 14.7 pts
GUCO health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.24% | -0.82 pp |
| Delinquency Rate | 0.01% | -1.80 pp |
| Return on Assets | -0.33% | -0.78 pp |
| Member Growth | -4.00% | - |
| Loan-to-Share Ratio | 80.70% | +17.10 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.0M | - |
| 2025Q4 | $9.8M | 1,391 |
| 2024Q4 | $9.8M | 1,449 |
| 2023Q4 | $10.4M | 1,966 |
Credit Union Details
- Charter Number
- 62985
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- North Carolina
- City
- Greenville
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for GUCO, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Greenville, NC |
| Vital Records Center | Goldsboro, NC |
| Disaster Recovery Site | Greenville, 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
Similar health score
Using this data
- GUCO ranks #3,388 of 4,374 nationally on financial health and #41 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Allvac Savings and is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Allvac Savings and
Frequently Asked Questions
Is GUCO financially healthy?
GUCO has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,388 of 4,374 nationally on health and #41 of 57 in North Carolina. Its net worth ratio is 18.24% and its delinquency rate 0.01%.
How does GUCO compare to other credit unions?
GUCO scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (80.70% vs 63.60%). Its widest shortfall is net worth ratio (18.24% vs 19.06%).
How can I join GUCO?
Membership eligibility for GUCO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GUCO directly for current membership requirements and application steps.
Is my money safe at GUCO?
GUCO 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. GUCO's net worth ratio of 18.24% 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.