Federal credit union · ASHEVILLE, North Carolina · NCUA charter #932
Oteen V. a.
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $33.5M
- Total assets
- 2,092
- Members
- 12.4%
- Net-worth ratio
Oteen V. a. scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.5M; members 2,092; net-worth ratio 12.37%; health rank #1,263 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,263 of 4,374 health · 2025Q4Oteen V. a. · health 89/100 · $33.5M · 2025Q4
- BOOK 89/100
- CHARTER 12.4%
- NCUSIF 0.15%
- CAMELS 1.95%
- HEALTH $33.5M
- NW 2,092
- DELQ #1,263/4,374
- ROA Metropolitan District Employees
- ASSETS 932
Call Report peers
Oteen V. a. in the assets neighbourhood
Oteen V. a.'s $33.5M assets sit next to Metropolitan District Employees ($33.5M) 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.
Oteen V. a. 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
89 Top 31% higher than 69% 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
Oteen V. a. - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #932. See our deposit-insurance coverage note.
Oteen V. a. vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +1.24 pp (1.95% vs 0.70%).
- Largest lag: Loan-to-Share Ratio at 46.51% vs peer 59.80% (-13.29 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Oteen V. a. sits in North Carolina
- Health composite ranks #14 of 57 among scored North Carolina credit unions.
- By total assets, Oteen V. a. is #41 of 57 in North Carolina.
- North Carolina membership ordinal: #48 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.
Oteen V. a. Call Report trajectory
Oteen V. a.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $33.5M (2025Q4) to $34.8M (2026Q1).
- Net-worth ratio shifted +0.00 pp (12.37% → 12.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.37%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 9.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.37% | -2.49 pp |
| Delinquency Rate | 0.15% | -1.00 pp |
| Return on Assets | 1.95% | +1.24 pp |
| Member Growth | 0.24% | - |
| Loan-to-Share Ratio | 46.51% | -13.29 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Oteen V. a.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.8M | - |
| 2025Q4 | $33.5M | 2,092 |
| 2024Q4 | $33.0M | 2,087 |
| 2023Q4 | $33.4M | 2,046 |
Credit Union Details
- Charter Number
- 932
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- North Carolina
- City
- ASHEVILLE
- Data Quarter
- 2025Q4
Branch Location
Oteen V. a. operates a single office in Asheville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Charles George V.A. Medical Center (Main Office) | Asheville, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Oteen V. a.'s nationwide photo peers by assets and by health score, excluding North Carolina charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($33.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Oteen V. a. ranks #1,263 of 4,374 nationally on financial health and #14 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Carolina People's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Carolina People's
- 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 Oteen V. a. financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - Oteen V. a.'s financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,263 of 4,374; by total assets it ranks #2,760 of 4,374 nationally (same basis as /rankings/largest); and #41 of 57 within North Carolina. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.37% net worth ratio and 0.15% delinquency rate are the key drivers.
How does Oteen V. a. compare to other credit unions?
On PlainCU's health composite, Oteen V. a. lands at 89/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Oteen V. a.?
Oteen V. a. 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 Oteen V. a. directly for the exact boundaries and application steps.
Is my money safe at Oteen V. a.?
Federal credit unions like Oteen V. a. 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. Oteen V. a.'s net worth ratio of 12.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Oteen V. a. offer compared to banks?
Credit unions like Oteen V. a. 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 Oteen V. a. 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.