State credit union · Greenville, North Carolina · NCUA charter #62985
Guco
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $9.8M
- Total assets
- 1,391
- Members
- 16.0%
- Net-worth ratio
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.
Guco - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)10
- Member growth12
- Liquidity (loan-to-share)100
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
16.04% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.04% | 30% |
| Delinquency Rate | 0.01% | 25% |
| Return on Assets | -0.33% | 15% |
| Member Growth | -4.00% | 15% |
| Loan-to-Share Ratio | 80.70% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Guco
The five-factor composite scores Guco at 73/100 (Very Good), reflecting a net worth ratio of 16.04% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Greenville, North Carolina, reports 1,391 members, $9.8M in total assets, and $6.4M in outstanding loans as of Q4 2025 under charter #62985 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
0.01% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 80.70% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.33% on net income of $-32461 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.00%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.04% 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 16.04% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.