Credit Unions in North Carolina
57 federally insured credit unions — NCUA Q4 2025 data
North Carolina credit union statistics
Credit Unions
Federally insured in North Carolina
Total Members
Combined membership
Total Assets
Combined industry assets
Avg Net Worth Ratio
Well-capitalized threshold: 7%
Cities in North Carolina
Select a city to browse local credit unions
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
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.
Frequently Asked Questions
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.
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.
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.
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Data sourced from the NCUA Quarterly Call Report (Q4 2025). All financial data is for informational purposes only.