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
Call Report peers
Oteen V. a. in the assets neighbourhood
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Oteen V. a. vs every NCUA-scored credit union
Oteen V. a. sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in North Carolina, MOUNTAIN (#13) scores 91/100, 2 points higher; one place down, American Partners (#15) ties at 89/100.
Oteen V. a. Call Report trajectory
Oteen V. a.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $33.5M (2025Q4) to $34.8M (2026Q1).
- Net-worth ratio shifted +0.00 pp (12.37% → 12.37%).
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
Oteen V. a. gives up 11 points in total. Member Growth costs the most, 5.7 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 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Oteen V. a. financially healthy?
On its 2025Q4 NCUA 5300 filing, Oteen V. a. scores 89/100 (Excellent), with a 12.37% net worth ratio and 0.15% of loans delinquent. It ranks #1,263 of 4,374 nationally on health and #14 of 57 in North Carolina.
How does Oteen V. a. compare to other credit unions?
Oteen V. a. scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.95% vs 0.70%). Its widest shortfall is loan-to-share ratio (46.51% vs 59.80%).
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.?
Oteen V. a. 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. Oteen V. a.'s net worth ratio of 12.37% 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.