Credit Union Safety Analysis
Is Mount Vernon Baptist Church Credit Union Safe? Durham, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Mount Vernon Baptist Church Credit Union has a net worth ratio of 37.73%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Mount Vernon Baptist Church Credit Union's net worth ratio is 37.73%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 37.73%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 3.13%
- Loan-to-share ratio (Q2 2026): 7.07%
Mount Vernon Baptist Church Credit Union (NCUA charter 63595, established 1948) reported $153K in assets and 209 members for Q2 2026 from Durham, North Carolina. It ranks 56 of 56 credit unions in North Carolina by total assets. Total assets grew 10.0% from $139K on June 30, 2025. 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.
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: 36.18% for Q1 2026; 35.32% 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: 3.08% for Q1 2026; 3.78% 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: 1.21% for Q1 2026; -0.36% 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: 9.35% for Q1 2026; 11.11% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $7K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $153K | 37.73% | — | 3.13% | 7.07% |
| March 31, 2026 | $147K | 36.18% | 3.08% | 1.21% | 9.35% |
| December 31, 2025 | $145K | 36.36% | 41.86% | 3.96% | 8.16% |
| September 30, 2025 | $140K | 36.32% | 4.52% | 5.65% | 10.44% |
| June 30, 2025 | $139K | 35.32% | 3.78% | -0.36% | 11.11% |
| March 31, 2025 | $138K | 35.51% | 34.60% | -0.59% | 11.60% |
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Free to use. It shows Mount Vernon Baptist Church Credit Union’s latest filed figures and updates each quarter.
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.
Mount Vernon Baptist Church Credit Union profile
Regulator records: NCUA credit union profile (charter 63595) · FFIEC NIC profile (RSSD 902298)
Frequently asked questions
Is Mount Vernon Baptist Church Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mount Vernon Baptist Church Credit Union's net worth ratio is 37.73%, above the 7% NCUA threshold for well capitalized.
Is Mount Vernon Baptist Church Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mount Vernon Baptist Church Credit Union is a federally insured credit union (NCUA charter 63595): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mount Vernon Baptist Church Credit Union's key safety ratios?
For Q2 2026, Mount Vernon Baptist Church Credit Union reports net worth 37.73%, delinquency not reported, ROA 3.13%, loan-to-share 7.07%.
What happens to my money if Mount Vernon Baptist Church Credit Union fails?
For Q2 2026, Mount Vernon Baptist Church Credit Union held $95K in shares and deposits for 209 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.