Credit Union Safety Analysis
Is Arcade Credit Union Safe? Asheville, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Arcade Credit Union has a net worth ratio of 14.42%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.70%, 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, Arcade Credit Union's net worth ratio is 14.42%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.42%
- Delinquency ratio (60+ days) (Q2 2026): 0.70%
- Return on assets (Q2 2026): 0.36%
- Loan-to-share ratio (Q2 2026): 54.84%
Arcade Credit Union (NCUA charter 62114, established 1952) reported $7.8M in assets and 749 members for Q2 2026 from Asheville, North Carolina. It ranks 53 of 56 credit unions in North Carolina by total assets. Total assets fell 0.8% from $7.9M on June 30, 2025. 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.
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: 14.06% for Q1 2026; 13.83% 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: 0.66% for Q1 2026; 0.35% 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: 0.74% for Q1 2026; 1.30% 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: 55.45% for Q1 2026; 61.13% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $1.3M
- Used vehicle loans: $1.0M
- 1- to 4-family residential and other consumer real estate loans: $919K
- Other secured non-real estate loans and lines of credit: $316K
- Other unsecured loans and lines of credit: $122K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $7.8M | 14.42% | 0.70% | 0.36% | 54.84% |
| March 31, 2026 | $8.0M | 14.06% | 0.66% | 0.74% | 55.45% |
| December 31, 2025 | $8.1M | 13.74% | 0.35% | 0.27% | 57.04% |
| September 30, 2025 | $7.8M | 14.19% | 1.23% | 0.53% | 59.73% |
| June 30, 2025 | $7.9M | 13.83% | 0.35% | 1.30% | 61.13% |
| March 31, 2025 | $8.2M | 13.07% | — | 1.40% | 59.93% |
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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.
Regulator records: NCUA credit union profile (charter 62114) · FFIEC NIC profile (RSSD 828491)
Frequently asked questions
Is Arcade Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Arcade Credit Union's net worth ratio is 14.42%, above the 7% NCUA threshold for well capitalized.
Is Arcade Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Arcade Credit Union is a federally insured credit union (NCUA charter 62114): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Arcade Credit Union's key safety ratios?
For Q2 2026, Arcade Credit Union reports net worth 14.42%, delinquency 0.70%, ROA 0.36%, loan-to-share 54.84%.
What happens to my money if Arcade Credit Union fails?
For Q2 2026, Arcade Credit Union held $6.7M in shares and deposits for 749 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.