TellerScore

Bragg Mutual Federal Credit Union (NCUA charter #7955) is based in Fayetteville, North Carolina. Its Q2 2026 call report shows $131.1M in total assets and $118.9M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Bragg Mutual Federal Credit Union scores 54/100, which we describe as below average. That is higher than only 10% of 1,341 credit unions with $100 million – $1 billion. Among 57 credit unions headquartered in North Carolina, it ranks 47th. Its strongest component is funding & liquidity (85/100; 75% loans-to-deposits, 9% uninsured), and its lowest is earnings (30/100; 0.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Net worth ratio: 8.26%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.85%
Earnings30/100
Return on assets (annualized): 0.24%
Funding & liquidity85/100
Loans ÷ shares: 75.3% · 9.4% uninsured
Problem-loan coverage73/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.31%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 16 points (38 → 54), mostly because the loan quality component improved by 47 points.

TellerScore
384654Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202446
Q3 202444
Q4 202438
Q1 202540
Q2 202538
Q3 202547
Q4 202547
Q1 202652
Q2 202654
Net worth ratio
7.00%8.43%9.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.85%
Q3 20249.80%
Q4 20249.13%
Q1 20258.60%
Q2 20258.36%
Q3 20258.46%
Q4 20258.38%
Q1 20268.26%
Q2 20268.26%
Delinquent loans (60+ days)
0.85%1.99%3.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.17%
Q3 20242.55%
Q4 20243.12%
Q1 20252.01%
Q2 20252.25%
Q3 20251.25%
Q4 20251.10%
Q1 20260.96%
Q2 20260.85%
Return on assets
-0.51%-0.12%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.02%
Q3 20240.22%
Q4 20240.25%
Q1 2025-0.51%
Q2 2025-0.40%
Q3 2025-0.30%
Q4 2025-0.21%
Q1 20260.27%
Q2 20260.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$131.1M8.26%0.85%0.24%75.3%
Q1 202652$130.4M8.26%0.96%0.27%75.5%
Q4 202547$127.4M8.38%1.10%-0.21%73.7%
Q3 202547$128.3M8.46%1.25%-0.30%64.2%
Q2 202538$130.1M8.36%2.25%-0.40%60.3%
Q1 202540$127.6M8.60%2.01%-0.51%58.7%
Q4 202438$122.0M9.13%3.12%0.25%62.5%
Q3 202444$114.6M9.80%2.55%0.22%68.3%
Q2 202446$112.1M9.85%2.17%0.02%72.1%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.26%
5th
Problem loans0.85%
39th
Net charge-offs1.30%
5th
Return on assets0.24%
13th
Loans to deposits75.3%
51st
Uninsured deposits9.4%
20th
Loan-loss reserves0.00%
50th
Texas ratio13.3%
7th

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Nova Credit UnionCredit union Charlotte, NC79 out of 100, Strong$120.7M17.6%0.56%vs
R T P Federal Credit UnionCredit union Rtp, NC58 out of 100, Moderate$142.2M8.1%0.85%vs
Weyco Community Credit UnionCredit union Plymouth, NC49 out of 100, Below average$115.5M9.9%2.21%vs
American Partners Federal Credit UnionCredit union Reidsville, NC69 out of 100, Moderate$107.7M10.6%0.30%vs
North Carolina Community Federal Credit UnionCredit union Goldsboro, NC80 out of 100, Strong$107.1M10.9%0.13%vs
Duke University Federal Credit UnionCredit union Durham, NC64 out of 100, Moderate$203.2M10.7%1.71%vs

Deposit insurance

Is my money safe at Bragg Mutual Federal Credit Union?

Yes. Bragg Mutual Federal Credit Union is a federally insured credit union (NCUA charter #7955). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.4% of shares and deposits ($11.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.26%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Bragg Mutual Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bragg Mutual Federal Credit Union
Type
Federal credit union
NCUA charter #
7955
RSSD ID
454283
Primary regulator
NCUA
Established
1952
Headquarters
2917 Village Dr, Fayetteville, NC 28304
Employees
22

Quick answers

Bragg Mutual Federal Credit Union: common questions

Is Bragg Mutual Federal Credit Union NCUA insured?

Yes. Bragg Mutual Federal Credit Union is a federally insured credit union (NCUA charter #7955). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Bragg Mutual Federal Credit Union's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Bragg Mutual Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fayetteville

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Fort Bragg Federal Credit UnionCredit union Fayetteville, NC86 out of 100, Very strong$689.6M12.8%0.61%vs
Members Credit UnionCredit union Winston Salem, NC85 out of 100, Very strong$477.1M14.8%0.82%vs
The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
Lumbee Guaranty BankBank Pembroke, NC74 out of 100, Strong$583.5M10.7%0.37%vs