Health Score
53/100
PlainCU 5-factor composite (NCUA 5300 Call Report)
Credit Union
MOUNT VERNON BAPTIST CHURCH
Health Score
53/100
Total Assets
$145K
Members
280
Durham, North Carolina
2026 data Public-data reference. official source
MOUNT VERNON BAPTIST CHURCH
Open-data reference.
53
Health Score
Fair
Charter #
63595
NCUA-issued institution identifier
Source
NCUA
Quarterly 5300 Call Report — 2025Q4
MOUNT VERNON BAPTIST CHURCH — Share Insurance Coverage
Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.
MOUNT VERNON BAPTIST CHURCH — Five Health Pillars
Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.
Health Pillars (0-100)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%
At 36.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
$145K
Total Assets
280
Members
$8K
Total Loans
$92K
Total Deposits
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 36.36% | 30% |
| Delinquency Rate | 41.86% | 25% |
| Return on Assets | 0.00% | 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
MOUNT VERNON BAPTIST CHURCH is a state credit union headquartered in Durham, North Carolina, serving 280 members with $145K in total assets and $8K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 53/100 (Fair), anchored by a net worth ratio of 36.36% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #63595 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Loan book quality and earnings power round out the picture. The delinquency rate of 41.86% measures loans 60+ days past due against total loans outstanding — the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 8.16% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital.
Every deposit account at MOUNT VERNON BAPTIST CHURCH is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by 47.37%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Other), and current deposit and loan rates should be verified directly with MOUNT VERNON BAPTIST CHURCH before opening any account or borrowing.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
- TEXAS GULF CAROLINA EMPAurora, NC · Under $2M50Health
- HSMHICKORY, NC · $2M–$10M72Health
- ARCADEAsheville, NC · $2M–$10M73Health
- ALLVAC SAVINGS ANDMONROE, NC · $2M–$10M86Health
- GUCOGreenville, NC · $2M–$10M73Health
Compare MOUNT VERNON BAPTIST CHURCH vs TEXAS GULF CAROLINA EMP
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How we calculate the 0–100 composite from NCUA data
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Eligibility, field of membership, and application steps
Related Financial Data
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?
MOUNT VERNON BAPTIST CHURCH has a financial health score of 53/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 36.36% and delinquency rate of 41.86%.
How does MOUNT VERNON BAPTIST CHURCH compare to other credit unions?
MOUNT VERNON BAPTIST CHURCH scores 53/100 on PlainCU's health composite, compared to a peer group average for Under $2M 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 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.