Credit Union Safety Analysis
Is Emergency Responders Credit Union Safe? Winston Salem, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Emergency Responders Credit Union has a net worth ratio of 8.12%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.84%, 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, Emergency Responders Credit Union's net worth ratio is 8.12%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.12%
- Delinquency ratio (60+ days) (Q2 2026): 0.84%
- Return on assets (Q2 2026): 0.93%
- Loan-to-share ratio (Q2 2026): 87.36%
Emergency Responders Credit Union (NCUA charter 66354, established 1940) reported $30.2M in assets and 3,383 members for Q2 2026 from Winston Salem, North Carolina. It ranks 44 of 56 credit unions in North Carolina by total assets. Total assets grew 3.9% from $29.0M on June 30, 2025. It has 51 more members than on June 30, 2025 (+1.5%). Its net worth ratio was down 2.06 percentage points from 10.18% on June 30, 2025. Used vehicle loans are its largest loan category, $10.3M of $24.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.84% 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: 7.95% for Q1 2026; 10.18% 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: 0.81% for Q1 2026; 1.41% 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: 0.58% for Q1 2026; -3.66% 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: 86.03% for Q1 2026; 89.51% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $10.3M
- 1- to 4-family residential and other consumer real estate loans: $4.8M
- New vehicle loans: $3.6M
- Other unsecured loans and lines of credit: $2.7M
- Other secured non-real estate loans and lines of credit: $2.0M
- Unsecured credit card loans: $654K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $30.2M | 8.12% | 0.84% | 0.93% | 87.36% |
| March 31, 2026 | $29.9M | 7.95% | 0.81% | 0.58% | 86.03% |
| December 31, 2025 | $29.0M | 10.13% | 1.85% | 1.06% | 90.33% |
| September 30, 2025 | $27.8M | 10.29% | 2.18% | 1.08% | 94.68% |
| June 30, 2025 | $29.0M | 10.18% | 1.41% | -3.66% | 89.51% |
| March 31, 2025 | $29.5M | 10.90% | 2.74% | -0.18% | 88.32% |
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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.
Emergency Responders Credit Union profile
Regulator records: NCUA credit union profile (charter 66354) · FFIEC NIC profile (RSSD 155898)
Frequently asked questions
Is Emergency Responders Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Emergency Responders Credit Union's net worth ratio is 8.12%, above the 7% NCUA threshold for well capitalized.
Is Emergency Responders Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Emergency Responders Credit Union is a federally insured credit union (NCUA charter 66354): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Emergency Responders Credit Union's key safety ratios?
For Q2 2026, Emergency Responders Credit Union reports net worth 8.12%, delinquency 0.84%, ROA 0.93%, loan-to-share 87.36%.
What happens to my money if Emergency Responders Credit Union fails?
For Q2 2026, Emergency Responders Credit Union held $27.5M in shares and deposits for 3,383 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.