Federal credit union · GREENSBORO, North Carolina · NCUA charter #3685
Internal Revenue Employees
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $12.4M
- Total assets
- 724
- Members
- 28.8%
- Net-worth ratio
Internal Revenue Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #3685, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Internal Revenue Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth21
- Liquidity (loan-to-share)59
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
28.81% 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 | 28.81% | 30% |
| Delinquency Rate | 0.48% | 25% |
| Return on Assets | 0.75% | 15% |
| Member Growth | -3.21% | 15% |
| Loan-to-Share Ratio | 31.45% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $12.4M | 724 |
| 2024Q4 | $13.1M | 748 |
| 2023Q4 | $15.0M | 770 |
Credit Union Details
- Charter Number
- 3685
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- North Carolina
- City
- GREENSBORO
- Data Quarter
- 2025Q4
What This Data Says About Internal Revenue Employees
Headquartered in GREENSBORO, North Carolina, Internal Revenue Employees is a federal credit union with 724 members, $12.4M in total assets, and $2.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 82/100 (Excellent), driven in part by a net worth ratio of 28.81% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #3685 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 31.45% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.48% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.75% on net income of $93K 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 -3.21%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Low Income) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
- NORTH CAROLINA PRESS ASSOCIATIONRALEIGH, NC · $10M–$50M63Health
- GREATER KINSTONKINSTON, NC · $10M–$50M75Health
- TCPRURAL HALL, NC · $10M–$50M80Health
- LITHIUMBESSEMER CITY, NC · $10M–$50M74Health
- GREENSBOROGREENSBORO, NC · $10M–$50M63Health
Compare Internal Revenue Employees vs NORTH CAROLINA PRESS ASSOCIATION
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 Internal Revenue Employees financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Internal Revenue Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 28.81% net worth ratio and 0.48% delinquency rate are the key drivers.
How does Internal Revenue Employees compare to other credit unions?
Internal Revenue Employees scores 82/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Internal Revenue Employees?
Internal Revenue Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Internal Revenue Employees directly to confirm current membership steps.
Is my money safe at Internal Revenue Employees?
Federal credit unions like Internal Revenue Employees 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. Internal Revenue Employees's net worth ratio of 28.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Internal Revenue Employees offer compared to banks?
Credit unions like Internal Revenue Employees 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 Internal Revenue Employees 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.