Arcade Credit Union Asheville, North Carolina
Arcade Credit Union is a state-chartered credit union headquartered in Asheville, NC, established in 1952 (NCUA charter 62114), and it is regulated and insured by the NCUA. At Q2 2026 it reported 749 members and total assets of $7.8M (down 0.8% from Q2 2025), the 53rd largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 14.42% at Q2 2026, in the well capitalized band.
Also written as Arcade CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 62114
- Headquarters
- Asheville, NC
- Established
- 1952
- Total assets, Q2 2026
- $7.8M
- Assets vs Q2 2025
- -0.8%
- Members, Q2 2026
- 749
- Net worth ratio, Q2 2026
- 14.42%
- Latest call report
- Q2 2026, NCUA 5300 · Arcade Credit Union call report
- Asset rank in state
- 53rd of 56 in North Carolina
- Routing number
- 253174589
- Branches
- 1
It has 49 fewer members than on June 30, 2025 (-6.1%). Its net worth ratio was up 0.59 percentage points from 13.83% on June 30, 2025. New vehicle loans are its largest loan category, $1.3M of $3.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.70% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 14.42% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in North Carolina
Frequently asked about Arcade Credit Union
How big is Arcade Credit Union?
At Q2 2026 it reported total assets of $7.8M and 749 members.
Where is Arcade Credit Union headquartered?
It is headquartered in Asheville, NC, United States.
When was Arcade Credit Union founded?
It was established in 1952, per NCUA records.
Is Arcade Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62114): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Arcade Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Arcade Credit Union well capitalized?
Its net worth ratio was 14.42% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Arcade Credit Union's delinquency ratio?
Its delinquency ratio was 0.70% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Arcade Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 54.84% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Asheville, NC 28801
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1952
- NCUA Charter #
- 62114
- RSSD ID
- 828491
- Members
- 749
- Potential members
- 4,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.42% | 14.31% | 51st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.36% | 0.72% | 34th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.50% | 4.74% | 35th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.83% | 3.93% | 46th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 91.80% | 79.83% | 25th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.96% | 0.78% | 40th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.70% | 0.86% | 58th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.79% | 4.70% | 54th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 54.84% | 58.92% | 44th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$7.8M total assets against $7.9M; $6.7M total shares and deposits against $6.8M; $3.7M total loans against $4.1M.
$1.1M net worth against $1.1M.
14.42% net worth ratio against 13.83%.
54.84% loan-to-share ratio against 61.13%.
0.70% delinquency ratio against 0.35%.
0.36% return on assets against 1.30%; 2.50% return on equity against 9.43%.
3.83% net interest margin against 4.01%.
749 members against 798.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.42% | 0.36% | 0.70% | 54.84% |
| March 31, 2026 | 14.06% | 0.74% | 0.66% | 55.45% |
| December 31, 2025 | 13.74% | 0.27% | 0.35% | 57.04% |
| September 30, 2025 | 14.19% | 0.53% | 1.23% | 59.73% |
| June 30, 2025 | 13.83% | 1.30% | 0.35% | 61.13% |
| March 31, 2025 | 13.07% | 1.40% | — | 59.93% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.