State credit union · Durham, North Carolina · NCUA charter #63595
Mount Vernon Baptist Church
Health score 60/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $145K
- Total assets
- 280
- Members
- 36.4%
- Net-worth ratio
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.
Mount Vernon Baptist Church - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)54
- Member growth100
- Liquidity (loan-to-share)45
Weighted composite: 60/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
36.36% 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 | 36.36% | 30% |
| Delinquency Rate | 41.86% | 25% |
| Return on Assets | 0.08% | 15% |
| Member Growth | 47.37% | 15% |
| Loan-to-Share Ratio | 8.16% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Mount Vernon Baptist Church
280 members and $145K in total assets sit behind Mount Vernon Baptist Church, a state credit union in Durham, North Carolina, which posts a health score of 60/100 (Good) on the five-factor composite, with $8K in outstanding loans as of Q4 2025 and a net worth ratio of 36.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #63595 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 41.86% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Meanwhile a 8.16% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.08% on net income of $116 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 47.37%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 36.36% 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 36.36% 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.
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.