State credit union · PLYMOUTH, North Carolina · NCUA charter #66324
Weyco Community
Health score 60/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $111.1M
- Total assets
- 5,667
- Members
- 10.2%
- Net-worth ratio
Weyco Community - Share Insurance Coverage
Charter #66324's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Weyco Community - 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)20
- Earnings (ROA)69
- Member growth4
- Liquidity (loan-to-share)94
Weighted composite: 60/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.17%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.17% | 30% |
| Delinquency Rate | 3.20% | 25% |
| Return on Assets | 0.19% | 15% |
| Member Growth | -4.63% | 15% |
| Loan-to-Share Ratio | 66.23% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $111.1M | 5,667 |
| 2024Q4 | $109.1M | 5,942 |
| 2023Q4 | $96.2M | 5,872 |
Credit Union Details
- Charter Number
- 66324
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- North Carolina
- City
- PLYMOUTH
- Data Quarter
- 2025Q4
What This Data Says About Weyco Community
Weyco Community is a state credit union headquartered in PLYMOUTH, North Carolina, serving 5,667 members with $111.1M in total assets and $65.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 60/100 (Good), anchored by a net worth ratio of 10.17% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #66324 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 66.23% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 3.20% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 0.19% on net income of $208K 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 -4.63%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in North Carolina
More federally-insured credit unions based in North Carolina, ordered by peer group match and asset size.
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 Weyco Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Weyco Community carries a financial health score of 60/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.17% net worth ratio and a 3.20% delinquency rate.
How does Weyco Community compare to other credit unions?
Weyco Community scores 60/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Weyco Community?
Membership eligibility for Weyco Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Weyco Community directly for current membership requirements and application steps.
Is my money safe at Weyco Community?
Federal credit unions like Weyco Community 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. Weyco Community's net worth ratio of 10.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Weyco Community offer compared to banks?
Credit unions like Weyco Community 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 Weyco Community 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.