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North Carolina Credit Union Performance
How the 57 credit unions based in North Carolina are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
North Carolina's 57 credit unions serve 5,235,077 members and hold $91.68B in combined assets. The median North Carolina credit union earned a 0.58% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among North Carolina credit unions was -1.00%, compared with -0.55% nationally. Median one-year asset growth was 2.06%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
North Carolina at a glance
North Carolina vs. the United States
System totals are the sum of every credit union based in North Carolina. The share column is North Carolina's portion of the national figure.
| Measure | North Carolina | United States | North Carolina share |
|---|---|---|---|
| Credit unions | 57 | 4,335 | 1.3% |
| Members | 5,235,077 | 147,031,529 | 3.6% |
| Residents (population) | 11,046,024 | 340,110,988 | 3.2% |
| Total assets | $91.68B | $2,507.50B | 3.7% |
| Total loans | $61.55B | $1,744.86B | 3.5% |
| Total shares & deposits | $80.11B | $2,143.21B | 3.7% |
| Total net worth | $10.05B | $282.23B | 3.6% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. North Carolina credit unions report about 47 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large North Carolina credit unions serve members in other states, so it overstates true in-state penetration.)
The median North Carolina credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median North Carolina CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.58% | 0.66% |
| Net worth ratio | 12.74% | 12.44% |
| Loan-to-share ratio | 75.76% | 67.86% |
| Delinquency ratio | 0.82% | 0.63% |
| Net charge-off ratio | 0.46% | 0.33% |
| Cost of funds | 1.22% | 1.05% |
| Member growth (1 yr) | -1.00% | -0.55% |
| Asset growth (1 yr) | 2.06% | 2.78% |
| Loan growth (1 yr) | 0.78% | 0.63% |
| Share growth (1 yr) | 1.68% | 2.36% |
| Net worth growth (1 yr) | 4.68% | 5.57% |
Trends over time
The median North Carolina credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.72% · 0.72%
— North Carolina ‑‑ U.S.
Net worth ratio 12.68% · 12.46%
— North Carolina ‑‑ U.S.
Loan-to-share ratio 77.03% · 69.70%
— North Carolina ‑‑ U.S.
Delinquency ratio 1.00% · 0.72%
— North Carolina ‑‑ U.S.
Asset growth (1 yr) 3.11% · 3.26%
— North Carolina ‑‑ U.S.
Member growth (1 yr) -0.43% · -0.52%
— North Carolina ‑‑ U.S.
North Carolina leaderboards
Largest by assets
- 1 State Employees' Credit Union $59.76B
- 2 Coastal Credit Union $6.21B
- 3 Truliant Credit Union $5.45B
- 4 North Carolina Local Government Credit Union $3.19B
- 5 Allegacy Credit Union $2.57B
- 6 Self-help Credit Union $2.41B
- 7 Self-Help Credit Union $2.15B
- 8 Charlotte Metro Credit Union $1.66B
- 9 Marine Credit Union $1.08B
- 10 Latino Community Credit Union $1.05B
Highest return on assets
- 1 Fort Bragg Credit Union 1.72%
- 2 Telco Community Credit Union 1.61%
- 3 Truliant Credit Union 1.56%
- 4 Allegacy Credit Union 1.47%
- 5 North Carolina Community Credit Union 1.10%
- 6 Vision Financial Credit Union 1.01%
- 7 Charlotte Fire Department Credit Union 0.94%
- 8 Duke University Credit Union 0.93%
- 9 American Partners Credit Union 0.82%
- 10 Self-Help Credit Union 0.80%
Fastest-growing (organic)
- 1 First Flight Credit Union 10.15%
- 2 Coastal Credit Union 8.54%
- 3 State Employees' Credit Union 7.88%
- 4 North Carolina Community Credit Union 6.92%
- 5 Truliant Credit Union 5.53%
- 6 Vision Financial Credit Union 5.37%
- 7 Allegacy Credit Union 5.30%
- 8 Marine Credit Union 5.01%
- 9 Fort Bragg Credit Union 4.23%
- 10 Mountain Credit Union 3.96%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in North Carolina that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.