State overview · Q4 2025

North Carolina Credit Unions

All 57 federally-insured credit unions in North Carolina, ranked by financial health, from NCUA 5300 Call Reports.

57
Credit unions
5.2M
Members
$89.7B
Combined assets
78/100
Avg health
57 CUs · avg health 78/100

North Carolina has 57 federally insured credit unions averaging 78/100 health on NCUA 5300 Call Report aggregates. Combined assets $89.7B; 32 score Excellent (80+). State leader: North Carolina Community at 96/100.

  • Mean delinquency rank #50 of 52 (lower DQ better)
  • Mean ROA rank #46 of 52
  • Data vintage 2026-09-06

North Carolina vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

57 27th of 54 higher than 27 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How North Carolina's 57 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)32 CUsGood (60–79)21 CUsFair (40–59)3 CUsWeak (<40)1 CUs

North Carolina Call Report quality, concentrated asset book

Mean NCUA 5300 ratios across 57 federally insured credit unions in North Carolina, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
2.08%
National rank #50 of 52 · lower DQ better
Mean ROA
0.42%
National rank #46 of 52
Mean loan-to-share
75.9%
Mean net worth 14.5% · well-capitalized (≥7%) 96.5%
Largest CU share of state assets
64.8%
Concentrated book, one charter holds ≥50% of combined North Carolina CU assets · concentration rank #50 of 52 (lower share = more dispersed) · largest by assets on this board: State Employees'

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). North Carolina is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

North Carolina vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, North Carolina highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0%0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate North Carolina vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NH - 11.15%, 0.746%NM - 14.09%, 1.009%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%NC - 14.51%, 2.08%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, North Carolina highlighted.

All Credit Unions in North Carolina

Credit Union Health
North Carolina Community GOLDSBORO 96
SUMMIT Greensboro 96
Electel Cooperative Raleigh 95
SELF-HELP Durham 95
Allvac Savings and MONROE 94
COASTAL Raleigh 93
CS Catawba 93
First Flight CARY 93
HEALTHSHARE Greensboro 93
Wnc Community Cu Waynesville 92
ALLEGACY Winston Salem 91
CHAMPION Canton 91
MOUNTAIN Waynesville 91
American Partners Reidsville 89
CAROLINA CHERRYVILLE 89
Oteen V. a. ASHEVILLE 89
NOVA CHARLOTTE 88
SKYLA Charlotte 87
Telco Community Credit Union Candler 87
Mcdowell Cornerstone MARION 86
SHUFORD Hickory 86
ACCLAIM GREENSBORO 85
Fort Bragg Fayetteville 85
Duke University Durham 84
MEMBERS WINSTON SALEM 84
TRULIANT Winston Salem 83
ARCADE Asheville 82
Internal Revenue Employees GREENSBORO 82
Bragg Mutual Fayetteville 80
State Employees' RALEIGH 80
TCP RURAL HALL 80
Vision Financial Durham 80
MARINE Jacksonville 78
WELCOME MORRISVILLE 78
SELF-HELP DURHAM 77
HSM HICKORY 76
Greater Kinston KINSTON 75
LITHIUM BESSEMER CITY 75
Blue Flame Charlotte 74
Charlotte Fire Department Charlotte 74
GUCO Greenville 73
Carolinas Telco Charlotte 71
Emergency Responders Winston Salem 71
R T P RTP 71
TELCO TARBORO 70
Carolina Cooperative CHARLOTTE 69
Piedmont Advantage Credit Union Winston Salem 64
REVITY GREENSBORO 64
GREENSBORO GREENSBORO 63
North Carolina Press Association RALEIGH 63
Latino Community Durham 62
Mount Vernon Baptist Church Durham 60
Weyco Community PLYMOUTH 60
First Carolina People's GOLDSBORO 51
Texas Gulf Carolina Emp Aurora 48
Lion's Share Salisbury 40
CIVIC RALEIGH 32

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.

What This Data Says About Credit Unions in North Carolina

North Carolina is home to 57 federally-insured credit unions collectively serving 5.2M members with $89.7B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 78/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. North Carolina Community of GOLDSBORO currently leads the cohort with a health score of 96/100, while the full distribution spans 57 institutions ranked below.

The health distribution breaks into four bands: 32 credit unions score 80–100 (Excellent), 21 score 60–79 (Good), 3 score 40–59 (Fair), and 1 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across North Carolina's 57 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for North Carolina: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($89.7B here).

Washington $94.0B Pennsylvania $81.7B Illinois $75.8B Wisconsin $73.4B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (57 here).

Mississippi 55 CUs Kentucky 54 CUs Kansas 61 CUs Oklahoma 53 CUs

Frequently Asked Questions

How many credit unions are in North Carolina?

There are 57 federally-insured credit unions in North Carolina as of Q4 2025, with a combined 5.2M members and $89.7B in total assets. That places North Carolina at #8 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, North Carolina ranks #48 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in North Carolina?

Based on NCUA Q4 2025 data, North Carolina Community in GOLDSBORO ranks highest in North Carolina with a health score of 96/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using North Carolina's data

  • North Carolina Community in GOLDSBORO is the healthiest scored credit union in North Carolina at 96/100 -- look up its full composite before assuming it fits your situation. View full profile
  • North Carolina's credit unions rank #50 of 52 nationally on delinquency rate (among the highest) and #46 of 52 on return on assets (among the weakest) -- both factor into the health score above, but they can move independently. National health rankings
  • North Carolina ranks #48 of 54 by average health score and #8 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.