Credit Union Safety Analysis
Is Greensboro Credit Union Safe? Greensboro, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Greensboro Credit Union has a net worth ratio of 34.29%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 5.89%, 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, Greensboro Credit Union's net worth ratio is 34.29%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 34.29%
- Delinquency ratio (60+ days) (Q2 2026): 5.89%
- Return on assets (Q2 2026): -0.16%
- Loan-to-share ratio (Q2 2026): 86.80%
Greensboro Credit Union (NCUA charter 63445, established 1928) reported $15.6M in assets and 1,430 members for Q2 2026 from Greensboro, North Carolina. It ranks 47 of 56 credit unions in North Carolina by total assets. Total assets fell 9.3% from $17.2M on June 30, 2025. It has 46 fewer members than on June 30, 2025 (-3.1%). Its net worth ratio was up 2.97 percentage points from 31.32% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.1M of $8.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 5.89% is above 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: 33.62% for Q1 2026; 31.32% 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: 3.55% for Q1 2026; 2.95% 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: 0.12% for Q1 2026; 0.01% 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: 83.61% for Q1 2026; 74.65% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.1M
- Used vehicle loans: $3.0M
- New vehicle loans: $1.2M
- Other unsecured loans and lines of credit: $367K
- Other secured non-real estate loans and lines of credit: $188K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $15.6M | 34.29% | 5.89% | -0.16% | 86.80% |
| March 31, 2026 | $16.0M | 33.62% | 3.55% | 0.12% | 83.61% |
| December 31, 2025 | $16.4M | 32.76% | 3.01% | 0.54% | 81.02% |
| September 30, 2025 | $16.6M | 32.28% | 4.49% | 0.05% | 79.55% |
| June 30, 2025 | $17.2M | 31.32% | 2.95% | 0.01% | 74.65% |
| March 31, 2025 | $17.5M | 30.76% | 2.05% | 0.06% | 71.05% |
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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.
Greensboro Credit Union profile
Regulator records: NCUA credit union profile (charter 63445) · FFIEC NIC profile (RSSD 638690)
Frequently asked questions
Is Greensboro Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Greensboro Credit Union's net worth ratio is 34.29%, above the 7% NCUA threshold for well capitalized.
Is Greensboro Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Greensboro Credit Union is a federally insured credit union (NCUA charter 63445): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Greensboro Credit Union's key safety ratios?
For Q2 2026, Greensboro Credit Union reports net worth 34.29%, delinquency 5.89%, ROA -0.16%, loan-to-share 86.80%.
What happens to my money if Greensboro Credit Union fails?
For Q2 2026, Greensboro Credit Union held $10.2M in shares and deposits for 1,430 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.