Guco Credit Union Greenville, North Carolina
Guco Credit Union is a state-chartered credit union headquartered in Greenville, NC, established in 1970 (NCUA charter 62985), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,383 members and total assets of $10.2M (up 3.6% from Q2 2025), the 51st largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 17.82% at Q2 2026, in the well capitalized band.
Also written as Guco 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
- 62985
- Headquarters
- Greenville, NC
- Established
- 1970
- Total assets, Q2 2026
- $10.2M
- Assets vs Q2 2025
- +3.6%
- Members, Q2 2026
- 1,383
- Net worth ratio, Q2 2026
- 17.82%
- Latest call report
- Q2 2026, NCUA 5300 · Guco Credit Union call report
- Asset rank in state
- 51st of 56 in North Carolina
- Routing number
- 253176150
- Branches
- 3
It has 37 fewer members than on June 30, 2025 (-2.6%). Its net worth ratio was down 0.34 percentage points from 18.16% on June 30, 2025. Used vehicle loans are its largest loan category, $3.1M of $7.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.13% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 17.82% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in North Carolina
Frequently asked about Guco Credit Union
How big is Guco Credit Union?
At Q2 2026 it reported total assets of $10.2M and 1,383 members.
Where is Guco Credit Union headquartered?
It is headquartered in Greenville, NC, United States.
When was Guco Credit Union founded?
It was established in 1970, per NCUA records.
Is Guco Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62985): 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 Guco 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 Guco Credit Union well capitalized?
Its net worth ratio was 17.82% 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 Guco Credit Union's delinquency ratio?
Its delinquency ratio was 0.13% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Guco Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 83.28% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Greenville, NC 27858
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1970
- NCUA Charter #
- 62985
- RSSD ID
- 71699
- Members
- 1,383
- Potential members
- 2,750
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 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 17.82% | 14.31% | 67th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.06% | 0.72% | 21st bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -0.33% | 4.74% | 21st bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.50% | 3.93% | 74th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 101.28% | 79.83% | 14th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.75% | 0.78% | 52nd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.13% | 0.86% | 89th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.25% | 4.70% | 72nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 83.28% | 58.92% | 83rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$10.2M total assets against $9.9M; $8.4M total shares and deposits against $8.1M; $7.0M total loans against $6.5M.
$1.8M net worth against $1.8M.
17.82% net worth ratio against 18.16%.
83.28% loan-to-share ratio against 80.42%.
0.13% delinquency ratio.
-0.06% return on assets against 0.25%; -0.33% return on equity against 1.37%.
4.50% net interest margin against 4.68%.
1,383 members against 1,420.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.82% | -0.06% | 0.13% | 83.28% |
| March 31, 2026 | 18.24% | 0.55% | — | 84.12% |
| December 31, 2025 | 18.45% | 0.30% | 0.01% | 80.70% |
| September 30, 2025 | 18.68% | 0.69% | — | 83.15% |
| June 30, 2025 | 18.16% | 0.25% | — | 80.42% |
| March 31, 2025 | 17.86% | 0.25% | — | 78.06% |
Scroll sideways to see every column.
Watch flags
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.
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.