Credit Union Safety Analysis
Is Guco Credit Union Safe? Greenville, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Guco Credit Union has a net worth ratio of 17.82%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.13%, 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, Guco Credit Union's net worth ratio is 17.82%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.82%
- Delinquency ratio (60+ days) (Q2 2026): 0.13%
- Return on assets (Q2 2026): -0.06%
- Loan-to-share ratio (Q2 2026): 83.28%
Guco Credit Union (NCUA charter 62985, established 1970) reported $10.2M in assets and 1,383 members for Q2 2026 from Greenville, North Carolina. It ranks 51 of 56 credit unions in North Carolina by total assets. Total assets grew 3.6% from $9.9M on June 30, 2025. 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.
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: 18.24% for Q1 2026; 18.16% 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%.
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: 0.55% for Q1 2026; 0.25% 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: 84.12% for Q1 2026; 80.42% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.1M
- New vehicle loans: $2.1M
- Other secured non-real estate loans and lines of credit: $957K
- Other unsecured loans and lines of credit: $870K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.2M | 17.82% | 0.13% | -0.06% | 83.28% |
| March 31, 2026 | $10.0M | 18.24% | — | 0.55% | 84.12% |
| December 31, 2025 | $9.8M | 18.45% | 0.01% | 0.30% | 80.70% |
| September 30, 2025 | $9.7M | 18.68% | — | 0.69% | 83.15% |
| June 30, 2025 | $9.9M | 18.16% | — | 0.25% | 80.42% |
| March 31, 2025 | $10.0M | 17.86% | — | 0.25% | 78.06% |
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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 62985) · FFIEC NIC profile (RSSD 71699)
Frequently asked questions
Is Guco Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Guco Credit Union's net worth ratio is 17.82%, above the 7% NCUA threshold for well capitalized.
Is Guco Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Guco Credit Union is a federally insured credit union (NCUA charter 62985): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Guco Credit Union's key safety ratios?
For Q2 2026, Guco Credit Union reports net worth 17.82%, delinquency 0.13%, ROA -0.06%, loan-to-share 83.28%.
What happens to my money if Guco Credit Union fails?
For Q2 2026, Guco Credit Union held $8.4M in shares and deposits for 1,383 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.