Federal credit union · RALEIGH, North Carolina · NCUA charter #24140
North Carolina Press Association
Health score 63/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $11.1M
- Total assets
- 1,301
- Members
- 19.4%
- Net-worth ratio
North Carolina Press Association - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24140 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
North Carolina Press Association - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)5
- Earnings (ROA)100
- Member growth54
- Liquidity (loan-to-share)57
Weighted composite: 63/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 19.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.41% | 30% |
| Delinquency Rate | 3.79% | 25% |
| Return on Assets | 2.40% | 15% |
| Member Growth | -0.54% | 15% |
| Loan-to-Share Ratio | 28.01% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $11.1M | 1,301 |
| 2024Q4 | $9.6M | 1,308 |
| 2023Q4 | $9.6M | 1,337 |
Credit Union Details
- Charter Number
- 24140
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- North Carolina
- City
- RALEIGH
- Data Quarter
- 2025Q4
What This Data Says About North Carolina Press Association
Headquartered in RALEIGH, North Carolina, North Carolina Press Association is a federal credit union with 1,301 members, $11.1M in total assets, and $2.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 63/100 (Good), driven in part by a net worth ratio of 19.41% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24140 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
3.79% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 28.01% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 2.40% on net income of $265K 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 -0.54%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) 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
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
- INTERNAL REVENUE EMPLOYEESGREENSBORO, NC · $10M–$50M82Health
- GREATER KINSTONKINSTON, NC · $10M–$50M75Health
- TCPRURAL HALL, NC · $10M–$50M80Health
- LITHIUMBESSEMER CITY, NC · $10M–$50M74Health
- GREENSBOROGREENSBORO, NC · $10M–$50M63Health
Compare North Carolina Press Association vs INTERNAL REVENUE EMPLOYEES
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 North Carolina Press Association financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, North Carolina Press Association carries a financial health score of 63/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.41% net worth ratio and a 3.79% delinquency rate.
How does North Carolina Press Association compare to other credit unions?
63/100 is North Carolina Press Association's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 North Carolina Press Association?
North Carolina Press Association serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact North Carolina Press Association directly for the current list of qualifying groups.
Is my money safe at North Carolina Press Association?
Federal credit unions like North Carolina Press Association 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 Press Association's net worth ratio of 19.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does North Carolina Press Association offer compared to banks?
Credit unions like North Carolina Press Association 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 Press Association 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.