Credit Union Safety Analysis
Is Weyco Community Credit Union Safe? Plymouth, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Weyco Community Credit Union has a net worth ratio of 9.94%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.21%, 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, Weyco Community Credit Union's net worth ratio is 9.94%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.94%
- Delinquency ratio (60+ days) (Q2 2026): 2.21%
- Return on assets (Q2 2026): 0.39%
- Loan-to-share ratio (Q2 2026): 67.87%
Weyco Community Credit Union (NCUA charter 66324, established 1959) reported $115.5M in assets and 5,591 members for Q2 2026 from Plymouth, North Carolina. It ranks 23 of 56 credit unions in North Carolina by total assets. Total assets grew 3.7% from $111.3M on June 30, 2025. It has 53 more members than on June 30, 2025 (+1.0%). Its net worth ratio was down 0.16 percentage points from 10.10% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $50.4M of $70.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.21% 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: 9.92% for Q1 2026; 10.10% 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: 2.28% for Q1 2026; 2.18% 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: 0.24% for Q1 2026; 0.40% 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: 65.83% for Q1 2026; 60.66% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $50.4M
- Used vehicle loans: $10.9M
- Other unsecured loans and lines of credit: $3.5M
- New vehicle loans: $3.3M
- Other secured non-real estate loans and lines of credit: $1.5M
- Unsecured credit card loans: $786K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $115.5M | 9.94% | 2.21% | 0.39% | 67.87% |
| March 31, 2026 | $114.6M | 9.92% | 2.28% | 0.24% | 65.83% |
| December 31, 2025 | $111.1M | 10.17% | 3.20% | -0.19% | 66.23% |
| September 30, 2025 | $111.8M | 10.15% | 2.11% | 0.36% | 63.70% |
| June 30, 2025 | $111.3M | 10.10% | 2.18% | 0.40% | 60.66% |
| March 31, 2025 | $111.7M | 9.97% | 2.20% | 0.26% | 58.86% |
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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.
Weyco Community Credit Union profile
Regulator records: NCUA credit union profile (charter 66324) · FFIEC NIC profile (RSSD 161899)
Frequently asked questions
Is Weyco Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Weyco Community Credit Union's net worth ratio is 9.94%, above the 7% NCUA threshold for well capitalized.
Is Weyco Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Weyco Community Credit Union is a federally insured credit union (NCUA charter 66324): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Weyco Community Credit Union's key safety ratios?
For Q2 2026, Weyco Community Credit Union reports net worth 9.94%, delinquency 2.21%, ROA 0.39%, loan-to-share 67.87%.
What happens to my money if Weyco Community Credit Union fails?
For Q2 2026, Weyco Community Credit Union held $103.6M in shares and deposits for 5,591 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.