Overview / Commentary
First Carolina People's Credit Union is headquartered in GOLDSBORO and is the 47th largest credit union in the state of North Carolina. It is also the 2,945th largest credit union in the nation. It was established in 1952 and as of September of 2019, it had grown to 10 employees and 2,345 members at 2 locations. First Carolina People's Credit Union's CD rates are 96% higher than the national average, and it has a B health rating.
Field of Membership Restrictions
First Carolina People's Credit Union offers membership to businesses and people who work, worship, attend school or lives in Johnston County, Wake County and Wayne Countyand, North Carolina,
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Health
B
Data as of Q3 2019
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. First Carolina People's Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 62673 |
| Year Chartered | 1952 |
| Employees | 10 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.3% |
| Return on Equity - YTD | 3.06% |
| Annual Interest Income | $1.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2019vs Q3 2018 | $28.5MM$28.5MM |
| Loans | Q3 2019vs Q3 2018 | $24.2MM$23.2MM |
| Deposits | Q3 2019vs Q3 2018 | $25.4MM$25.5MM |
| Equity Capital | Q3 2019vs Q3 2018 | $2.8MM$2.9MM |
| Loan Loss Allowance | Q3 2019vs Q3 2018 | $255.00K$139.00K |
| Unbacked Noncurrent Loans | Q3 2019vs Q3 2018 | $276.00K$628.00K |
| Real Estate Owned | Q3 2019vs Q3 2018 | $0$0 |