Credit Union Safety Analysis
Is Allvac Saving & Credit Union Safe? Monroe, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Allvac Saving & Credit Union has a net worth ratio of 17.59%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.09%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Allvac Saving & Credit Union's net worth ratio is 17.59%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.59%
- Delinquency ratio (60+ days) (Q2 2026): 0.09%
- Return on assets (Q2 2026): 1.37%
- Loan-to-share ratio (Q2 2026): 68.95%
Allvac Saving & Credit Union (NCUA charter 60660, established 1964) reported $9.5M in assets and 1,446 members for Q2 2026 from Monroe, North Carolina. It ranks 52 of 56 credit unions in North Carolina by total assets. Total assets grew 10.0% from $8.6M on June 30, 2025. It has 140 fewer members than on June 30, 2025 (-8.8%). Its net worth ratio was down 0.15 percentage points from 17.74% on June 30, 2025. Used vehicle loans are its largest loan category, $3.4M of $5.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.09% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 17.60% for Q1 2026; 17.74% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.28% for Q1 2026; 0.26% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.79% for Q1 2026; 1.49% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 67.24% for Q1 2026; 74.49% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.4M
- New vehicle loans: $1.0M
- Other unsecured loans and lines of credit: $681K
- Other secured non-real estate loans and lines of credit: $244K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.5M | 17.59% | 0.09% | 1.37% | 68.95% |
| March 31, 2026 | $9.3M | 17.60% | 0.28% | 0.79% | 67.24% |
| December 31, 2025 | $8.4M | 19.18% | 0.40% | 2.98% | 72.48% |
| September 30, 2025 | $8.8M | 17.73% | 0.16% | 1.17% | 73.46% |
| June 30, 2025 | $8.6M | 17.74% | 0.26% | 1.49% | 74.49% |
| March 31, 2025 | $8.6M | 17.38% | 0.18% | 1.29% | 75.84% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Allvac Saving & Credit Union profile
Regulator records: NCUA credit union profile (charter 60660) · FFIEC NIC profile (RSSD 520692)
Frequently asked questions
Is Allvac Saving & Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Allvac Saving & Credit Union's net worth ratio is 17.59%, above the 7% NCUA threshold for well capitalized.
Is Allvac Saving & Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Allvac Saving & Credit Union is a federally insured credit union (NCUA charter 60660): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Allvac Saving & Credit Union's key safety ratios?
For Q2 2026, Allvac Saving & Credit Union reports net worth 17.59%, delinquency 0.09%, ROA 1.37%, loan-to-share 68.95%.
What happens to my money if Allvac Saving & Credit Union fails?
For Q2 2026, Allvac Saving & Credit Union held $7.8M in shares and deposits for 1,446 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.