Federal credit union · GOLDSBORO, North Carolina · NCUA charter #12004
North Carolina Community
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $100.5M
- Total assets
- 5,835
- Members
- 11.1%
- Net-worth ratio
North Carolina Community scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $100.5M; members 5,835; net-worth ratio 11.06%; health rank #274 of 4,374; healthier than 93rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#274 of 4,374 health · 2025Q4North Carolina Community · health 96/100 · $100.5M · 2025Q4
- MEM 96/100
- RANK 11.1%
- PHOTO 0.13%
- BOOK 1.06%
- CHARTER $100.5M
- NCUSIF 5,835
- CAMELS #274/4,374
- HEALTH First Watch
- NW 12004
Call Report peers
North Carolina Community in the assets neighbourhood
North Carolina Community's $100.5M assets sit next to First Watch ($100.5M) 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.
North Carolina 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
96 Top 7% higher than 93% 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
North Carolina Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12004, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
North Carolina Community vs $100M–$500M peers
- Largest favorable gap: Delinquency Rate at 0.13% vs peer 0.89% (-0.77 pp).
- Loan-to-Share Ratio trails the peer set - 60.21% here, 72.20% peer average (-11.99 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Carolina standing for North Carolina Community
- In North Carolina, health place is #2 of 57 on the same NCUA-ratio sort used nationally.
- By total assets, North Carolina Community is #26 of 57 in North Carolina.
- Member book place in North Carolina: #33 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 North Carolina Community's 5300 filing moved
North Carolina Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $100.5M (2025Q4) to $102.7M (2026Q1).
- Net-worth ratio shifted +0.03 pp (11.03% → 11.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.5 pts
- Loan-to-Share Ratio 12.5 pts
Call Report ratios for North Carolina Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.06% | -1.05 pp |
| Delinquency Rate | 0.13% | -0.77 pp |
| Return on Assets | 1.06% | +0.44 pp |
| Member Growth | 3.77% | - |
| Loan-to-Share Ratio | 60.21% | -11.99 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
North Carolina Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $102.7M | - |
| 2025Q4 | $100.5M | 5,835 |
| 2024Q4 | $94.8M | 5,623 |
| 2023Q4 | $89.3M | 5,569 |
Credit Union Details
- Charter Number
- 12004
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- North Carolina
- City
- GOLDSBORO
- Data Quarter
- 2025Q4
Branch Locations (2)
North Carolina Community operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Branch (Main Office) | Goldsboro, NC |
| Base Branch | Seymour Johnson AFB, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
Other-state peers near North Carolina Community
Two NCUA Call Report peer sets for North Carolina Community, both outside North Carolina so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($100.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- North Carolina Community ranks #274 of 4,374 nationally on financial health and #2 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- American Partners is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with American Partners
- 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 North Carolina Community financially healthy?
North Carolina Community has a financial health score of 96/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #274 of 4,374; by total assets it ranks #1,814 of 4,374 nationally (same basis as /rankings/largest); and #26 of 57 within North Carolina. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.06% and delinquency rate of 0.13%.
How does North Carolina Community compare to other credit unions?
PlainCU's health composite puts North Carolina Community at 96/100, compared to a peer group average for $100M–$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 North Carolina Community?
North Carolina Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact North Carolina Community directly for the exact boundaries and application steps.
Is my money safe at North Carolina Community?
Federal credit unions like North Carolina 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. North Carolina Community's net worth ratio of 11.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does North Carolina Community offer compared to banks?
Credit unions like North Carolina 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 North Carolina 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.