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
Call Report peers
North Carolina Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); North Carolina Community sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in North Carolina, SUMMIT (#1) ties at 96/100; one place down, SELF-HELP (#3) scores 95/100, 1 point lower.
How North Carolina Community's 5300 filing moved
North Carolina Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $100.5M (2025Q4) to $102.7M (2026Q1).
- Net-worth ratio shifted +0.03 pp (11.03% → 11.06%).
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
North Carolina Community gives up 4 points in total. Loan-to-Share Ratio costs the most, 2.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is North Carolina Community financially healthy?
On its 2025Q4 NCUA 5300 filing, North Carolina Community scores 96/100 (Excellent), with a 11.06% net worth ratio and 0.13% of loans delinquent. It ranks #274 of 4,374 nationally on health and #2 of 57 in North Carolina.
How does North Carolina Community compare to other credit unions?
North Carolina Community scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.13% vs 0.89%). Its widest shortfall is loan-to-share ratio (60.21% vs 72.20%).
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?
North Carolina Community is a federal 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. North Carolina Community's net worth ratio of 11.06% 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.