Federal credit union · MORRISVILLE, North Carolina · NCUA charter #24807
WELCOME
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $90.5M
- Total assets
- 6,520
- Members
- 12.7%
- Net-worth ratio
WELCOME scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $90.5M; members 6,520; net-worth ratio 12.73%; health rank #2,977 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,977 of 4,374 health · 2025Q4WELCOME · health 78/100 · $90.5M · 2025Q4
Call Report peers
WELCOME in the assets neighbourhood
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WELCOME vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WELCOME sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
WELCOME: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 58.78% vs peer 62.60% (-3.82 pp).
Where WELCOME sits in North Carolina
- Health composite ranks #33 of 57 among scored North Carolina credit unions.
- By total assets, WELCOME is #28 of 57 in North Carolina.
- North Carolina membership ordinal: #30 of 57.
- One place up in North Carolina, Bragg Mutual (#32) scores 80/100, 2 points higher; one place down, MARINE (#34) ties at 78/100.
How WELCOME's 5300 filing moved
WELCOME: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $90.5M (2025Q4) to $93.8M (2026Q1).
- Net-worth ratio shifted -0.41 pp (13.14% → 12.73%).
This credit union's 12.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
WELCOME gives up 22 points in total. Delinquency Rate costs the most, 9.5 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.5 pts
- Return on Assets 11.6 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 12.9 pts
WELCOME health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.73% | -0.89 pp |
| Delinquency Rate | 1.59% | +0.63 pp |
| Return on Assets | 0.27% | -0.39 pp |
| Member Growth | -0.58% | - |
| Loan-to-Share Ratio | 58.78% | -3.82 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
WELCOME quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $93.8M | - |
| 2025Q4 | $90.5M | 6,520 |
| 2024Q4 | $90.0M | 6,558 |
| 2023Q4 | $92.1M | 6,809 |
Credit Union Details
- Charter Number
- 24807
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- North Carolina
- City
- MORRISVILLE
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for WELCOME, spread across 4 cities.
| Office | City |
|---|---|
| Morrisville Branch (Main Office) | Morrisville, NC |
| Greenville Branch | Greenville, NC |
| Henderson Branch | Henderson, NC |
| Zebulon Branch | Zebulon, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
More federally-insured credit unions based in North Carolina, ordered by peer group match and asset size.
Other-state peers near WELCOME
Using this data
- WELCOME ranks #2,977 of 4,374 nationally on financial health and #33 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wnc Community Cu is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wnc Community Cu
Frequently Asked Questions
Is WELCOME financially healthy?
WELCOME has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,977 of 4,374 nationally on health and #33 of 57 in North Carolina. Its net worth ratio is 12.73% and its delinquency rate 1.59%.
How does WELCOME compare to other credit unions?
WELCOME scores 78/100, higher than 31% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (58.78% vs 62.60%).
How can I join WELCOME?
WELCOME 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 WELCOME directly for the exact boundaries and application steps.
Is my money safe at WELCOME?
WELCOME 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. WELCOME's net worth ratio of 12.73% 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.