State credit union · Durham, North Carolina · NCUA charter #68430
Latino Community
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $1.05B
- Total assets
- 126,823
- Members
- 23.8%
- Net-worth ratio
Latino Community scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.05B; members 126,823; net-worth ratio 23.78%; health rank #3,977 of 4,374; healthier than 8th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,977 of 4,374 health · 2025Q4Latino Community · health 62/100 · $1.05B · 2025Q4
- PHOTO 62/100
- BOOK 23.8%
- CHARTER 2.04%
- NCUSIF 1.14%
- CAMELS $1.05B
- HEALTH 126,823
- NW #3,977/4,374
- DELQ MAZUMA
- ROA 68430
Call Report peers
Latino Community in the assets neighbourhood
Latino Community's $1.05B assets sit next to MAZUMA ($1.05B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Latino Community 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
62 8th percentile higher than 8% 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
Latino Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68430. See our deposit-insurance coverage note.
Latino Community: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +31.27 pp (115.17% vs 83.90%).
- Delinquency Rate trails the peer set - 2.04% here, 0.87% peer average (+1.16 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Latino Community sits in North Carolina
- In North Carolina, health place is #51 of 57 on the same NCUA-ratio sort used nationally.
- By total assets, Latino Community is #10 of 57 in North Carolina.
- Membership ranks #7 of 57 among North Carolina CUs with a reported count (126,823 members).
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Latino Community's 5300 filing moved
Latino Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $1.05B (2025Q4) to $1.05B (2026Q1).
- Net-worth ratio shifted +0.07 pp (23.71% → 23.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 23.78%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.3 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 4.7 pts
Latino Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.78% | +12.60 pp |
| Delinquency Rate | 2.04% | +1.16 pp |
| Return on Assets | 1.14% | +0.63 pp |
| Member Growth | -12.06% | - |
| Loan-to-Share Ratio | 115.17% | +31.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.05B | - |
| 2025Q4 | $1.05B | 126,823 |
| 2024Q4 | $1.05B | 144,214 |
| 2023Q4 | $1.03B | 133,792 |
Credit Union Details
- Charter Number
- 68430
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- North Carolina
- City
- Durham
- Data Quarter
- 2025Q4
Branch Locations (16)
Per its most recent NCUA branch filing, Latino Community runs 16 offices in 9 different cities.
| Office | City |
|---|---|
| Central Services (Main Office) | Durham, NC |
| Carrboro | Carrboro, NC |
| Charlotte Branch I | Charlotte, NC |
| Charlotte Branch II | Charlotte, NC |
| Charlotte Branch University City Blvd | Charlotte, NC |
| Charlotte Meridian Place | Charlotte, NC |
| Durham Branch | Durham, NC |
| Durham North | Durham, NC |
| Fayetteville Branch | Fayetteville, NC |
| Greensboro Branch | Greensboro, NC |
| Greensboro W. Market | Greensboro, NC |
| High Point | High Point, NC |
| Monroe | Monroe, NC |
| Garner Branch | Raleigh, NC |
| Raleigh Branch | Raleigh, NC |
| Winston-Salem branch | Winston Salem, 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.
Latino Community nationwide neighbourhoods
Latino Community's nationwide photo peers by assets and by health score, excluding North Carolina charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.05B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
Using this data
- Latino Community ranks #3,977 of 4,374 nationally on financial health and #51 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MARINE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MARINE
- 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 Latino Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Latino Community carries a financial health score of 62/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,977 of 4,374; by total assets it ranks #457 of 4,374 nationally (same basis as /rankings/largest); and #10 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 23.78% net worth ratio and a 2.04% delinquency rate.
How does Latino Community compare to other credit unions?
PlainCU's health composite puts Latino Community at 62/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Latino Community?
Membership eligibility for Latino Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Latino Community directly for current membership requirements and application steps.
Is my money safe at Latino Community?
Federal credit unions like Latino Community 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. Latino Community's net worth ratio of 23.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Latino Community offer compared to banks?
Credit unions like Latino Community 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 Latino Community 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.