TellerScore

Civic Federal Credit Union (NCUA charter #24003) is based in Raleigh, North Carolina. Its Q2 2026 call report shows $3.1B in total assets and $2.6B in member shares and deposits and 10 offices.

Civic Federal Credit Union has a TellerScore of 11 out of 100 (low) based on Q2 2026 data — higher than only 0% of its 454 credit unions with $1 billion – $10 billion. Among 57 credit unions headquartered in North Carolina, it ranks 57th. Funding & liquidity contributes the most (53/100, 107% loans-to-deposits, 9% uninsured); problem-loan coverage contributes the least (0/100, 96.9%).

TellerScore · Q2 2026

Scorecard

Capital cushion9/100
Net worth ratio: 5.87%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 6.27%
Earnings0/100
Return on assets (annualized): -3.07%
Funding & liquidity53/100
Loans ÷ shares: 106.9% · 9.0% uninsured
Problem-loan coverage0/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 96.92%

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 fell 9 points (20 → 11), mostly because the capital cushion component weakened by 32 points.

TellerScore
112335Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202435
Q3 202430
Q4 202428
Q1 202535
Q2 202520
Q3 202517
Q4 202514
Q1 202613
Q2 202611
Net worth ratio
5.87%7.55%9.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.24%
Q3 20249.04%
Q4 20249.07%
Q1 20258.91%
Q2 20259.09%
Q3 20258.05%
Q4 20257.07%
Q1 20266.68%
Q2 20265.87%
Delinquent loans (60+ days)
2.03%4.83%7.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.89%
Q3 20243.30%
Q4 20243.91%
Q1 20252.03%
Q2 20254.93%
Q3 20256.83%
Q4 20257.62%
Q1 20265.04%
Q2 20266.27%
Return on assets
-3.72%-1.63%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.47%
Q3 20240.12%
Q4 2024-0.04%
Q1 2025-1.04%
Q2 2025-1.35%
Q3 2025-2.86%
Q4 2025-3.72%
Q1 2026-2.73%
Q2 2026-3.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202611$3.1B5.87%6.27%-3.07%106.9%
Q1 202613$3.2B6.68%5.04%-2.73%105.7%
Q4 202514$3.3B7.07%7.62%-3.72%106.9%
Q3 202517$3.5B8.05%6.83%-2.86%109.0%
Q2 202520$3.7B9.09%4.93%-1.35%107.9%
Q1 202535$4.0B8.91%2.03%-1.04%97.1%
Q4 202428$4.0B9.07%3.91%-0.04%97.8%
Q3 202430$4.1B9.04%3.30%0.12%99.8%
Q2 202435$4.0B9.24%2.89%0.47%100.2%

454 peers · $1 billion – $10 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 ratio5.87%
0th
Problem loans6.27%
0th
Net charge-offs2.61%
1st
Return on assets-3.07%
0th
Loans to deposits106.9%
3rd
Uninsured deposits9.0%
52nd
Loan-loss reserves0.00%
50th
Texas ratio96.9%
0th

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Allegacy Financial Federal Credit UnionCredit union Winston Salem, NC71 out of 100, Strong$2.6B11.4%0.65%vs
Self-Help Federal Credit UnionCredit union Durham, NC73 out of 100, Strong$2.4B25.2%1.01%vs
Self-Help Credit UnionCredit union Durham, NC64 out of 100, Moderate$2.2B24.5%1.97%vs
Skyla Federal Credit UnionCredit union Charlotte, NC54 out of 100, Below average$1.7B9.6%1.32%vs
Marine Federal Credit UnionCredit union Jacksonville, NC57 out of 100, Moderate$1.1B10.4%1.36%vs
Latino Community Credit UnionCredit union Durham, NC64 out of 100, Moderate$1.0B24.2%1.81%vs

Deposit insurance

Is my money safe at Civic Federal Credit Union?

Yes. Civic Federal Credit Union is a federally insured credit union (NCUA charter #24003). 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 9.0% of shares and deposits ($230.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 5.87%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Civic Federal Credit Union lists 10 offices in 9 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Civic Federal Credit Union
Type
Federal credit union
NCUA charter #
24003
RSSD ID
815398
Primary regulator
NCUA
Established
1983
Headquarters
3600 Wake Forest Rd, Raleigh, NC 27609
Employees
487

Quick answers

Civic Federal Credit Union: common questions

Is Civic Federal Credit Union NCUA insured?

Yes. Civic Federal Credit Union is a federally insured credit union (NCUA charter #24003). 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 Civic Federal Credit Union's TellerScore?

11 out of 100 (Low), 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 Civic Federal Credit Union have?

10 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Raleigh

InstitutionScoreAssetsCapitalProblem loansCompare
Mount Vernon Baptist Church Credit UnionCredit union Durham, NC100 out of 100, Very strong$153K37.7%0.00%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Vision Financial Federal Credit UnionCredit union Durham, NC94 out of 100, Very strong$59.5M16.8%0.00%vs
Farmers & Merchants BankBank Granite Quarry, NC90 out of 100, Very strong$998.8M15.3%0.79%vs
Providence BankBank Rocky Mount, NC82 out of 100, Strong$1.5B12.2%0.12%vs
Summit Credit UnionCredit union Greensboro, NC82 out of 100, Strong$368.8M15.4%0.71%vs