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
Call Report peers
Latino Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Latino Community sits in 60-64 with 179 others.
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: 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).
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).
- One place up in North Carolina, North Carolina Press Association (#50) scores 63/100, 1 point higher; one place down, Mount Vernon Baptist Church (#52) scores 60/100, 2 points lower.
How Latino Community's 5300 filing moved
Latino Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $1.05B (2025Q4) to $1.05B (2026Q1).
- Net-worth ratio shifted +0.07 pp (23.71% → 23.78%).
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
Latino Community gives up 38 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Latino Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Latino Community scores 62/100 (Good), with a 23.78% net worth ratio and 2.04% of loans delinquent. It ranks #3,977 of 4,374 nationally on health and #51 of 57 in North Carolina.
How does Latino Community compare to other credit unions?
Latino Community scores 62/100, higher than 8% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (115.17% vs 83.90%). Its widest shortfall is delinquency rate (2.04% vs 0.87%).
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?
Latino Community 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. Latino Community's net worth ratio of 23.78% 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.