North Carolina Community Federal Credit Union

Overview / Commentary
2401 East Ash St.
Goldsboro, NC 27532

North Carolina Community Federal Credit Union is headquartered in Goldsboro and is the 28th largest credit union in the state of North Carolina. It is also the 1,956th largest credit union in the nation. It was established in 1957 and as of December of 2022, it had grown to 21 employees and 5,504 members at 2 locations. North Carolina Community Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Wayne County, North Carolina.
See current membership details

Reviews (2)

Replacement Debit Cards

Posted by: |

I have been a member for over 20 years and I will say that the service for the most part is excellent. However, I just went through an experience that put a bad taste in my mouth.
While out to dinner with my wife, I used my debit card to pay for dinner and it was declined (which is always embarrassing). I just used it recently and it worked fine. I also know that there were plenty of funds in the account as well. So I called NCCFCU to see what the problem was...and I was informed that my account might have been hacked so they canx my card. I am grateful there are protective measures like this in place to look out for the customer. However, I didn't receive any notice whatsoever. Other institution have sent a letter or have even called but in this case my card was just cancelled.
While talking to the customer service rep I asked if a new card was being sent out and she informed me it was...and it would take 7-10 days. Wow, 7-10 days??? Why so long? It seemed like a received cards faster than that when I was stationed overseas.
So I received my card yesterday, 11 days after when I talked to the customer service rep. The new card gave simple instructions "Go to an ATM and use it to activate it". Ok easy enough, I ran to a ATM down the road and I was given an error message "incorrect pin". How is this possible???
I called NCCFCU and was informed that a new pin would be sent to me 3-5 days after I received my card. I re-read the instructions that came with my new card to see if I missed that and no where did it mention that a new pin was being sent to me, nor did I receive any other mail pertaining to this.
So in closing I have two issues:
1. Please keep your customers informed if possible...especially if it effects their banking.
2. It should not take 2 weeks +/- to receive a replacement card/pin. Maybe I am spoiled with my other institutions I do business with...but in this day in age where debt cards are utilized daily for so many different transactions the 2 week replacement period is unacceptable. Please remember that not all of your customers live in Goldsboro. So I cannot just run down the the branch and take care of my business at hand.
Thank you.

NC Credit Union

Posted by: |

This is a nice credit Union. I have 2 accounts here. I don't incur any fees with the checking account, or with depositing checks. Although, when depositing a check over 200.00 they will place that money on a 7-10 day hold which can be inconvenient. The customer service can be lacking. The first few times I went to meet with a representative, and the woman barely looked me in the face, didn't smile, and didn't offer any sort of welcome.

Additional 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. North Carolina Community Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #12004
Year Chartered1957
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD1.24%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$88.9MM$87.5MM
LoansQ4 2022vs Q4 2021$37.7MM$29.4MM
DepositsQ4 2022vs Q4 2021$80.3MM$79.3MM
Equity CapitalQ4 2022vs Q4 2021$8.2MM$8.1MM
Loan Loss AllowanceQ4 2022vs Q4 2021$148.00K$131.00K
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$98.00K$80.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$0

Rates for North Carolina Community Federal Credit Union are currently being reviewed.


North Carolina Community Federal Credit Union Locations
Branch Office2401 E Ash StGoldsboro, NC 27534-7513
Branch Office1350 Edwards StSeymour Johnson AFB, NC 27531-2469

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.