Mount Vernon Baptist Church Credit Union Durham, North Carolina
Mount Vernon Baptist Church Credit Union is a state-chartered credit union headquartered in Durham, NC, established in 1948 (NCUA charter 63595), and it is regulated and insured by the NCUA. At Q2 2026 it reported 209 members and total assets of $153K (up 10.0% from Q2 2025), the 56th largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 37.73% at Q2 2026, in the well capitalized band.
Also written as Mount Vernon Baptist Church 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
- 63595
- Headquarters
- Durham, NC
- Established
- 1948
- Total assets, Q2 2026
- $153K
- Assets vs Q2 2025
- +10.0%
- Members, Q2 2026
- 209
- Net worth ratio, Q2 2026
- 37.73%
- Latest call report
- Q2 2026, NCUA 5300 · Mount Vernon Baptist Church Credit Union call report
- Asset rank in state
- 56th of 56 in North Carolina
- Routing number
- 253175504
- Branches
- 1
It has 3 more members than on June 30, 2025 (+1.5%). Its net worth ratio was up 2.41 percentage points from 35.32% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $7K of $7K in total loans on its June 30, 2026 filing.
Frequently asked about Mount Vernon Baptist Church Credit Union
How big is Mount Vernon Baptist Church Credit Union?
At Q2 2026 it reported total assets of $153K and 209 members.
Where is Mount Vernon Baptist Church Credit Union headquartered?
It is headquartered in Durham, NC, United States.
When was Mount Vernon Baptist Church Credit Union founded?
It was established in 1948, per NCUA records.
Is Mount Vernon Baptist Church Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63595): 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 Mount Vernon Baptist Church 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 Mount Vernon Baptist Church Credit Union well capitalized?
Its net worth ratio was 37.73% 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 Mount Vernon Baptist Church Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 7.07% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Durham, NC 27707
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1948
- NCUA Charter #
- 63595
- RSSD ID
- 902298
- Members
- 209
- Potential members
- 220
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 2 of 3 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 37.73% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 3.13% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 8.29% | 4.74% | 72nd above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | not on file | 3.93% | not on file |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | not on file | 0.78% | not on file |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.12% | 4.70% | 22nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 7.07% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$153K total assets against $139K; $95K total shares and deposits against $89K; $7K total loans against $9K.
$58K net worth against $49K.
37.73% net worth ratio against 35.32%.
7.07% loan-to-share ratio against 11.11%.
3.13% return on assets against -0.36%; 8.29% return on equity against -1.03%.
209 members against 206.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 37.73% | 3.13% | — | 7.07% |
| March 31, 2026 | 36.18% | 1.21% | 3.08% | 9.35% |
| December 31, 2025 | 36.36% | 3.96% | 41.86% | 8.16% |
| September 30, 2025 | 36.32% | 5.65% | 4.52% | 10.44% |
| June 30, 2025 | 35.32% | -0.36% | 3.78% | 11.11% |
| March 31, 2025 | 35.51% | -0.59% | 34.60% | 11.60% |
Scroll sideways to see every column.
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.