Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
301 W Main St
Durham, NC 27701-3215

Community Trust Credit Union is headquartered in Durham and is the 8th largest credit union in the state of North Carolina. It is also the 403rd largest credit union in the nation. It was established in 2008 and as of March of 2014, it had grown to 220 employees and 49,367 members. Community Trust Credit Union's money market rates are 16% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

- See Details

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Community Trust Credit Union had $9.59 million in non-current loans and owned real-estate with $85.62 million in equity and loan loss allowances on hand to cover it. This gives Community Trust Credit Union a Texas Ratio of 11.19% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community Trust Credit Union decreased dramatically from 134.81% as of March 31, 2013 to 11.19% as of March 31, 2014, resulting in a positive change of 91.70%.This indicates that the balance sheet and financial strength for Community Trust Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Community Trust Credit Union has decreased its total deposits by -$30.5 million, resulting in -6.13% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community Trust Credit Union has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community Trust Credit Union has $560.61 million in assets with $17.62 million in equity, resulting in a capitalization level of 3.14%, which is poor.

Institution Statistics

NCUA #24802
Year Chartered2008
Primary Regulator
Assets and Liabilities
Assets$560.61 million
Loans$290.34 million
Deposits$466.71 million
Equity Capital$15.86 million
Secondary Capital$68.00 million
Loan Loss Allowance$1.77 million
Unbacked Noncurrent Loans$8.86 million
Real Estate Owned$729,000
Historic Data - March 2013
Assets$589.74 million
Equity Capital$12.28 million
Loan Loss Allowance$2.62 million
Unbacked Noncurrent Loans$8.86 million
Real Estate Owned$789,000
Profit Margin - Quarterly
Return on Assets0.26%
Return on Equity9.31%
Interest Income$5.82 million

Always verify rates and promotions with the bank or credit union. We are not Community Trust Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Community Trust Credit Union Savings Account Rates

0.55%$100-IRA Account
0.55%$100-Roth IRA Account
0.10%$25-Youth Account

Community Trust Credit Union Money Market Rates

0.51%$500k-Money Market

Community Trust Credit Union Checking Account Rates

0.10%$1,500-Checking Growth

Community Trust Credit Union CD Rates

1.25%$500-48 Month Share Certificate
1.25%$500-60 Month Share Certificate
1.00%$500-36 Month Share Certificate
0.75%$500-24 Month Share Certificate
0.55%$500-12 Month Share Certificate
0.55%$500-18 Month Share Certificate
0.25%$500-6 Month Share Certificate
0.25%$500-3 Month Share Certificate

Community Trust Credit Union IRA Rates

1.25%$500-48 Month IRA Certificate
1.25%$500-60 Month IRA Certificate
1.00%$500-36 Month IRA Certificate
0.75%$500-24 Month IRA Certificate
0.55%$500-12 Month IRA Certificate
0.55%$500-18 Month IRA Certificate

Community Trust Credit Union has 26 locations. Click to view all Community Trust Credit Union locations.