Civic Federal Credit Union Raleigh, North Carolina
Civic Federal Credit Union is a federal credit union headquartered in Raleigh, NC, established in 1983 (NCUA charter 24003), and it is regulated and insured by the NCUA. At Q2 2026 it reported 336,107 members and total assets of $3.07B (down 16.2% from Q2 2025), the 4th largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 5.87% at Q2 2026, in the undercapitalized band.
Also written as Civic FCU
BankRegReports is independent of Civic Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24003
- Headquarters
- Raleigh, NC
- Established
- 1983
- Total assets, Q2 2026
- $3.07B
- Assets vs Q2 2025
- -16.2%
- Members, Q2 2026
- 336,107
- Net worth ratio, Q2 2026
- 5.87%
- Latest call report
- Q2 2026, NCUA 5300 · Civic Federal Credit Union call report
- Asset rank in state
- 4th of 56 in North Carolina
- Routing number
- 253184537
- Branches
- 13
It has 44,791 fewer members than on June 30, 2025 (-11.8%). Its net worth ratio was down 3.22 percentage points from 9.09% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.87B of $2.73B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 6.27% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 5.87% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in North Carolina
Credit unions merged into Civic Federal Credit Union
Civic Federal Credit Union (2024) · City of Raleigh Employees Credit Union (2016)
Frequently asked about Civic Federal Credit Union
How big is Civic Federal Credit Union?
At Q2 2026 it reported total assets of $3.07B and 336,107 members.
Where is Civic Federal Credit Union headquartered?
It is headquartered in Raleigh, NC, United States.
When was Civic Federal Credit Union founded?
It was established in 1983, per NCUA records.
Is Civic Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24003): 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 Civic Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Civic Federal Credit Union well capitalized?
Its net worth ratio was 5.87% at Q2 2026, in the undercapitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Civic Federal Credit Union's delinquency ratio?
Its delinquency ratio was 6.27% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Civic Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 106.88% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Raleigh, NC 27609
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1983
- NCUA Charter #
- 24003
- RSSD ID
- 815398
- Members
- 336,107
- Potential members
- 500,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 7.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 5.87% | 10.89% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | -3.31% | 0.89% | under 10th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | -56.41% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.46% | 3.45% | under 10th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 113.72% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.74% | 1.68% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 6.27% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.20% | 5.12% | 56th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 106.88% | 88.03% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.07B total assets against $3.67B; $2.56B total shares and deposits against $3.00B; $2.73B total loans against $3.23B.
$180.3M net worth against $333.9M.
5.87% net worth ratio against 9.09%.
106.88% loan-to-share ratio against 107.92%.
6.27% delinquency ratio against 4.93%.
-3.31% return on assets against -1.57%; -56.41% return on equity against -17.28%.
2.46% net interest margin against 3.00%.
336,107 members against 380,898.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 5.87% | -3.31% | 6.27% | 106.88% |
| March 31, 2026 | 6.68% | -2.73% | 5.04% | 105.72% |
| December 31, 2025 | 7.07% | -5.81% | 7.62% | 106.90% |
| September 30, 2025 | 8.05% | -5.75% | 6.83% | 108.97% |
| June 30, 2025 | 9.09% | -1.57% | 4.93% | 107.92% |
| March 31, 2025 | 8.91% | -1.04% | 2.03% | 97.14% |
Scroll sideways to see every column.
Watch flags
The net worth ratio is below the 6% NCUA adequately-capitalized threshold, placing the credit union in the undercapitalized Prompt Corrective Action category, which triggers mandatory earnings-retention and supervisory restrictions. NCUA Prompt Corrective Action, 12 CFR 702.102.
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.