Overview / Commentary
10810 Chapel Hill Rd
Morrisville, NC 27560

Welcome Federal Credit Union is headquartered in Morrisville and is the 25th largest credit union in the state of North Carolina. It is also the 1,798th largest credit union in the nation. It was established in 1974 and as of December of 2018, it had grown to 27 employees and 7,728 members at 6 locations. Welcome Federal Credit Union's CD rates are 22% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Welcome Federal Credit Union is open to employees (current or retired), members of corporations, associations, and companies and their successor/predecessor, divisions/subsidiaries, and family or household members of the following SEGs (partial list): Aflac District Sales (Greenville, North Carolina), Big Brothers Big Sisters, Campbell University Students - RTP Campus, Spectrum/Time Warner Charter Communications, Wake Tech Community College, Walmart Neighborhood Market and many others (a complete list can be found on the credit union's website).
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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. Welcome Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #24807
Year Chartered1974
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD0.94%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$82.0MM$85.1MM
LoansQ4 2018vs Q4 2017$57.8MM$59.9MM
DepositsQ4 2018vs Q4 2017$70.2MM$73.4MM
Equity CapitalQ4 2018vs Q4 2017$11.3MM$11.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$563.00K$386.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$731.00K$1.2MM
Real Estate OwnedQ4 2018vs Q4 2017$250.00K$0
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Welcome Federal Credit Union Savings Account Rates

0.60%$100-IRA Account
0.10%$5-Christmas Club Accounts

Welcome Federal Credit Union Money Market Rates

0.25%$1k-Money Market Account

Welcome Federal Credit Union CD Rates

3.00%$1k-27 Month CD
2.50%$1k-16 Month CD
2.12%$500-60 Month CD
1.81%$500-48 Month CD
1.51%$500-36 Month CD
1.41%$500-24 Month CD
1.10%$500-12 Month CD

Welcome Federal Credit Union Locations
Branch Office10810 Chapel Hill RdMorrisville, NC 27560
Branch Office250 Easy St Ste C Greenfield North Plaza Shopping CenterGreenville, NC 27834-9054
Branch Office5 Moore Dr Sanders 17.1379RTP, NC 27709-0143
Branch Office620 Facet RdHenderson, NC 27537-5479
Branch Office1011 N Arendell AveZebulon, NC 27597-2309
Branch Office125 E Gannon AveZebulon, NC 27597

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