Credit Union Safety Analysis
Is R T P Federal Credit Union Safe? Morrisville, North Carolina
Based on its Q2 2026 NCUA 5300 call report, R T P Federal Credit Union has a net worth ratio of 8.08%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.85%, 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, R T P Federal Credit Union's net worth ratio is 8.08%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.08%
- Delinquency ratio (60+ days) (Q2 2026): 0.85%
- Return on assets (Q2 2026): 0.43%
- Loan-to-share ratio (Q2 2026): 60.27%
R T P Federal Credit Union (NCUA charter 18550, established 1968) reported $142.2M in assets and 9,216 members for Q2 2026 from Morrisville, North Carolina. It ranks 20 of 56 credit unions in North Carolina by total assets. Total assets fell 1.1% from $143.7M on June 30, 2025. It has 509 fewer members than on June 30, 2025 (-5.2%). Its net worth ratio was up 0.25 percentage points from 7.83% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $32.3M of $78.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.85% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 7.98% for Q1 2026; 7.83% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.60% for Q1 2026; 0.60% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.15% for Q1 2026; 0.47% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 62.25% for Q1 2026; 63.15% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $32.3M
- Used vehicle loans: $19.9M
- New vehicle loans: $13.6M
- Other secured non-real estate loans and lines of credit: $5.9M
- Unsecured credit card loans: $3.1M
- Commercial loans: $2.5M
- Other unsecured loans and lines of credit: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $142.2M | 8.08% | 0.85% | 0.43% | 60.27% |
| March 31, 2026 | $143.9M | 7.98% | 0.60% | 0.15% | 62.25% |
| December 31, 2025 | $141.9M | 7.93% | 0.94% | 0.29% | 62.23% |
| September 30, 2025 | $142.6M | 7.92% | 0.81% | 0.33% | 64.73% |
| June 30, 2025 | $143.7M | 7.83% | 0.60% | 0.47% | 63.15% |
| March 31, 2025 | $144.2M | 7.75% | 0.31% | -0.10% | 63.92% |
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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.
R T P Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 18550) · FFIEC NIC profile (RSSD 744788)
Frequently asked questions
Is R T P Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, R T P Federal Credit Union's net worth ratio is 8.08%, above the 7% NCUA threshold for well capitalized.
Is R T P Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. R T P Federal Credit Union is a federally insured credit union (NCUA charter 18550): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are R T P Federal Credit Union's key safety ratios?
For Q2 2026, R T P Federal Credit Union reports net worth 8.08%, delinquency 0.85%, ROA 0.43%, loan-to-share 60.27%.
What happens to my money if R T P Federal Credit Union fails?
For Q2 2026, R T P Federal Credit Union held $130.0M in shares and deposits for 9,216 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.