Federal credit union · RTP, North Carolina · NCUA charter #18550
R T P
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $141.9M
- Total assets
- 9,439
- Members
- 8.0%
- Net-worth ratio
R T P scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $141.9M; members 9,439; net-worth ratio 7.98%; health rank #3,560 of 4,374; healthier than 18th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,560 of 4,374 health · 2025Q4R T P · health 71/100 · $141.9M · 2025Q4
Call Report peers
R T P in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
R T P vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); R T P sits in 70-74 with 317 others.
71 18th percentile higher than 18% 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
R T P vs $100M–$500M peers
- Largest lag: Loan-to-Share Ratio at 62.23% vs peer 72.20% (-9.97 pp).
Where R T P sits in North Carolina
- Health composite ranks #43 of 57 among scored North Carolina credit unions.
- By total assets, R T P is #21 of 57 in North Carolina.
- Membership ranks #25 of 57 among North Carolina CUs with a reported count (9,439 members).
- One place up in North Carolina, Carolinas Telco (#42) ties at 71/100; one place down, Emergency Responders (#44) ties at 71/100.
R T P: 2025Q4 → 2026Q1
R T P: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $141.9M (2025Q4) to $143.9M (2026Q1).
- Net-worth ratio shifted +0.05 pp (7.93% → 7.98%).
At 7.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
R T P gives up 29 points in total. Member Growth costs the most, 14.7 of its 15; Loan-to-Share Ratio loses the least, 1.7.
- Net Worth Ratio 24.9 pts
- Delinquency Rate 20.6 pts
- Return on Assets 12.4 pts
- Member Growth 0.3 pts
- Loan-to-Share Ratio 12.8 pts
R T P vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.98% | -4.13 pp |
| Delinquency Rate | 0.94% | +0.05 pp |
| Return on Assets | 0.32% | -0.30 pp |
| Member Growth | -4.84% | - |
| Loan-to-Share Ratio | 62.23% | -9.97 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - R T P
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $143.9M | - |
| 2025Q4 | $141.9M | 9,439 |
| 2024Q4 | $140.8M | 9,919 |
| 2023Q4 | $140.7M | 10,309 |
Credit Union Details
- Charter Number
- 18550
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- North Carolina
- City
- RTP
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for R T P, spread across 3 cities.
| Office | City |
|---|---|
| RTP Federal Credit Union (Main Office) | Morrisville, NC |
| Cary Branch | Cary, NC |
| RTP Branch | Morrisville, NC |
| Stonehenge Branch | Raleigh, 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
Using this data
- R T P ranks #3,560 of 4,374 nationally on financial health and #43 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bragg Mutual is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bragg Mutual
Frequently Asked Questions
Is R T P financially healthy?
On its 2025Q4 NCUA 5300 filing, R T P scores 71/100 (Very Good), with a 7.98% net worth ratio and 0.94% of loans delinquent. It ranks #3,560 of 4,374 nationally on health and #43 of 57 in North Carolina.
How does R T P compare to other credit unions?
R T P scores 71/100, higher than 18% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (62.23% vs 72.20%).
How can I join R T P?
R T P 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 R T P directly for the exact boundaries and application steps.
Is my money safe at R T P?
R T P 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. R T P's net worth ratio of 7.98% 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.