How many credit unions are in North Carolina?

There are 57 federally insured credit unions in North Carolina according to the latest NCUA Q4 2025 Call Report data. These institutions collectively hold $89.7B in assets and serve 5.2M members.

What is the average net worth ratio for credit unions in North Carolina?

The average net worth ratio for credit unions in North Carolina is 14.6%. The NCUA considers a credit union "well-capitalized" when its net worth ratio is 7% or higher. A ratio above 10% is considered excellent and signals strong financial health.

Which is the largest credit union in North Carolina?

The largest credit union in North Carolina by total assets is STATE EMPLOYEES' with $58.1B in assets. You can view full details, branch locations, and financial health data on its individual profile page.

Credit Unions in North Carolina

57 federally insured credit unions — NCUA Q4 2025 data

Credit Unions

Federally insured in North Carolina

Total Members

5.2M

Combined membership

Total Assets

$89.7B

Combined industry assets

Avg Net Worth Ratio

14.6%

Well-capitalized threshold: 7%

Cities in North Carolina

Select a city to browse local credit unions

GREENSBORO6 credit unionsDurham6 credit unionsCharlotte6 credit unionsWinston Salem5 credit unionsRaleigh5 credit unionsASHEVILLE2 credit unionsFayetteville2 credit unionsGOLDSBORO2 credit unionsHICKORY2 credit unionsWaynesville2 credit unionsCARY1 credit unionBESSEMER CITY1 credit unionJacksonville1 credit unionRTP1 credit unionCHERRYVILLE1 credit unionReidsville1 credit unionMORRISVILLE1 credit unionSalisbury1 credit unionMARION1 credit unionMONROE1 credit unionCanton1 credit unionGreenville1 credit unionCandler1 credit unionKINSTON1 credit unionRURAL HALL1 credit unionTARBORO1 credit unionAurora1 credit unionPLYMOUTH1 credit unionCatawba1 credit union

Top 10 Credit Unions in North Carolina

Ranked by total assets — Q4 2025

Rank	Name	Total Assets	Members	Health
#1	STATE EMPLOYEES'	$58.1B	3.0M	B
#2	COASTAL	$6.0B	343K	A
#3	TRULIANT	$5.4B	334K	A+
#4	CIVIC	$3.3B	356K	F
#5	ALLEGACY	$2.5B	183K	A
#6	SELF-HELP	$2.4B	146K	A+
#7	SELF-HELP	$2.2B	100K	B+
#8	SKYLA	$1.6B	113K	A
#9	MARINE	$1.1B	78K	B+
#10	LATINO COMMUNITY	$1.0B	127K	B

Financially Strongest Credit Unions in North Carolina

Net worth ratio ≥ 10% — well above the 7% well-capitalized threshold

36.4%NW Ratio

MOUNT VERNON BAPTIST CHURCH

$145K in assets

35.6%NW Ratio

TEXAS GULF CAROLINA EMP

$1.2M in assets

32.8%NW Ratio

GREENSBORO

$16.4M in assets

28.8%NW Ratio

INTERNAL REVENUE EMPLOYEES

$12.4M in assets

26.1%NW Ratio

SELF-HELP

$2.4B in assets

Credit Unions with Low Net Worth Ratios in North Carolina

The following credit unions have a net worth ratio below 5%, which is below the NCUA's “adequately capitalized” threshold of 6%. This information is provided for educational purposes only. All listed institutions remain federally insured by the NCUA up to $250,000. Contact the credit union or visit NCUA.gov for the latest status.

3.5%NW Ratio

LION'S SHARE

$60.8M in assets

Frequently Asked Questions

Browse Nearby States

Credit Unions in Virginia Credit Unions in Tennessee Credit Unions in Georgia Credit Unions in South Carolina

Data sourced from the NCUA Quarterly Call Report (Q4 2025). All financial data is for informational purposes only.