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
- ROA 73/100
- ASSETS 18.2%
- MEM 0.01%
- RANK -0.33%
- PHOTO $9.8M
- BOOK 1,391
- CHARTER #3,388/4,374
- NCUSIF n/a
- CAMELS 62985
Call Report peers
GUCO carries $9.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GUCO 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
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
GUCO - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62985 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
GUCO: 2025Q4 → 2026Q1
GUCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $9.8M (2025Q4) to $10.0M (2026Q1).
- Net-worth ratio shifted -0.21 pp (18.45% → 18.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
GUCO's nationwide photo peers by assets and by health score, excluding North Carolina charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
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
- 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 GUCO financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, GUCO carries a financial health score of 73/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,388 of 4,374; by total assets it ranks #3,572 of 4,374 nationally (same basis as /rankings/largest); and #52 of 57 within North Carolina. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.24% net worth ratio and a 0.01% delinquency rate.
How does GUCO compare to other credit unions?
GUCO scores 73/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like GUCO 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. GUCO's net worth ratio of 18.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GUCO offer compared to banks?
Credit unions like GUCO 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 GUCO 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.