State credit union · Durham, North Carolina · NCUA charter #63595
Mount Vernon Baptist Church
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $145K
- Total assets
- 280
- Members
- 36.2%
- Net-worth ratio
Mount Vernon Baptist Church scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $145K; members 280; net-worth ratio 36.18%; health rank #4,040 of 4,374; healthier than 7th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,040 of 4,374 health · 2025Q4Mount Vernon Baptist Church · health 60/100 · $145K · 2025Q4
- BOOK 60/100
- CHARTER 36.2%
- NCUSIF 41.86%
- CAMELS 0.08%
- HEALTH $145K
- NW 280
- DELQ #4,040/4,374
- ROA n/a
- ASSETS 63595
Call Report peers
Mount Vernon Baptist Church carries $145K 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.
Mount Vernon Baptist Church 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
60 7th percentile higher than 7% 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
Mount Vernon Baptist Church - Share Insurance Coverage
Charter #63595's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Mount Vernon Baptist Church
- Net Worth Ratio leads the peer set - 36.18% here, 22.93% peer average (+13.25 pp).
- Loan-to-Share Ratio trails the peer set - 8.16% here, 52.70% peer average (-44.54 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Mount Vernon Baptist Church sits in North Carolina
- Health composite ranks #52 of 57 among scored North Carolina credit unions.
- By total assets, Mount Vernon Baptist Church is #57 of 57 in North Carolina.
- North Carolina membership ordinal: #57 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.
How Mount Vernon Baptist Church's 5300 filing moved
Mount Vernon Baptist Church: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $145K (2025Q4) to $147K (2026Q1).
- Net-worth ratio shifted -0.18 pp (36.36% → 36.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
36.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 60/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 8.1 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 6.9 pts
Mount Vernon Baptist Church health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 36.18% | +13.25 pp |
| Delinquency Rate | 41.86% | +37.38 pp |
| Return on Assets | 0.08% | -0.14 pp |
| Member Growth | 47.37% | - |
| Loan-to-Share Ratio | 8.16% | -44.54 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Mount Vernon Baptist Church filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $147K | - |
| 2025Q4 | $145K | 280 |
| 2024Q4 | $138K | 190 |
| 2023Q4 | $143K | 315 |
Credit Union Details
- Charter Number
- 63595
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- North Carolina
- City
- Durham
- Data Quarter
- 2025Q4
Branch Location
Mount Vernon Baptist Church operates a single office in Durham, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MVBC Education Bldg. (Main Office) | Durham, 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.
- TEXAS GULF CAROLINA EMPAurora, NC · Under $2M48Health
- HSMHICKORY, NC · $2M–$10M76Health
- ARCADEAsheville, NC · $2M–$10M82Health
- ALLVAC SAVINGS ANDMONROE, NC · $2M–$10M94Health
- GUCOGreenville, NC · $2M–$10M73Health
Compare Mount Vernon Baptist Church vs TEXAS GULF CAROLINA EMP
Other-state peers near Mount Vernon Baptist Church
Two NCUA Call Report peer sets for Mount Vernon Baptist Church, both outside North Carolina so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
Using this data
- Mount Vernon Baptist Church ranks #4,040 of 4,374 nationally on financial health and #52 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texas Gulf Carolina Emp is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texas Gulf Carolina Emp
- 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 Mount Vernon Baptist Church financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Mount Vernon Baptist Church carries a financial health score of 60/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,040 of 4,374; by total assets it ranks #4,358 of 4,374 nationally (same basis as /rankings/largest); and #57 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 36.18% net worth ratio and a 41.86% delinquency rate.
How does Mount Vernon Baptist Church compare to other credit unions?
60/100 is Mount Vernon Baptist Church's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Mount Vernon Baptist Church?
Membership eligibility for Mount Vernon Baptist Church depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mount Vernon Baptist Church directly for current membership requirements and application steps.
Is my money safe at Mount Vernon Baptist Church?
Federal credit unions like Mount Vernon Baptist Church 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. Mount Vernon Baptist Church's net worth ratio of 36.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mount Vernon Baptist Church offer compared to banks?
Credit unions like Mount Vernon Baptist Church 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 Mount Vernon Baptist Church 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.