Emergency Responders Credit Union (NCUA charter #66354) is based in Winston Salem, North Carolina. Its Q2 2026 call report shows $30.2M in total assets and $27.5M in member shares and deposits and 3 offices.
Based on its Q2 2026 filing, Emergency Responders Credit Union scores 57/100, which we describe as moderate. That is higher than only 17% of 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 43rd. Its strongest component is problem-loan coverage (84/100; 8.2%), and its lowest is capital cushion (31/100; 8.12%).
TellerScore · Q2 2026
Scorecard
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 10 points (47 → 57), mostly because the earnings component improved by 50 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 44 |
| Q3 2024 | 53 |
| Q4 2024 | 49 |
| Q1 2025 | 39 |
| Q2 2025 | 47 |
| Q3 2025 | 39 |
| Q4 2025 | 43 |
| Q1 2026 | 55 |
| Q2 2026 | 57 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.89% |
| Q3 2024 | 10.75% |
| Q4 2024 | 10.88% |
| Q1 2025 | 10.90% |
| Q2 2025 | 10.18% |
| Q3 2025 | 10.29% |
| Q4 2025 | 10.13% |
| Q1 2026 | 7.95% |
| Q2 2026 | 8.12% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.52% |
| Q3 2024 | 0.96% |
| Q4 2024 | 1.82% |
| Q1 2025 | 2.74% |
| Q2 2025 | 1.41% |
| Q3 2025 | 2.18% |
| Q4 2025 | 1.85% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.84% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | -0.48% |
| Q4 2024 | 0.00% |
| Q1 2025 | -0.18% |
| Q2 2025 | -1.92% |
| Q3 2025 | -0.97% |
| Q4 2025 | -0.44% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $30.2M | 8.12% | 0.84% | 0.75% | 87.4% |
| Q1 2026 | 55 | $29.9M | 7.95% | 0.81% | 0.58% | 86.0% |
| Q4 2025 | 43 | $29.0M | 10.13% | 1.85% | -0.44% | 90.3% |
| Q3 2025 | 39 | $27.8M | 10.29% | 2.18% | -0.97% | 94.7% |
| Q2 2025 | 47 | $29.0M | 10.18% | 1.41% | -1.92% | 89.5% |
| Q1 2025 | 39 | $29.5M | 10.90% | 2.74% | -0.18% | 88.3% |
| Q4 2024 | 49 | $29.7M | 10.88% | 1.82% | 0.00% | 91.2% |
| Q3 2024 | 53 | $29.8M | 10.75% | 0.96% | -0.48% | 95.1% |
| Q2 2024 | 44 | $30.8M | 10.89% | 2.52% | 0.32% | 96.1% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Blue Flame Credit UnionCredit union Charlotte, NC | 62 out of 100, Moderate | $30.3M | 11.0% | 0.19% | vs |
| Cs Credit UnionCredit union Catawba, NC | 84 out of 100, Strong | $30.5M | 18.7% | 0.46% | vs |
| First Carolina People'S Credit UnionCredit union Goldsboro, NC | 21 out of 100, Low | $33.3M | 8.6% | 5.79% | vs |
| Oteen V. A. Federal Credit UnionCredit union Asheville, NC | 91 out of 100, Very strong | $34.3M | 13.0% | 0.15% | vs |
| Shuford Federal Credit UnionCredit union Hickory, NC | 75 out of 100, Strong | $36.1M | 13.7% | 0.89% | vs |
| McDowell Cornerstone Credit UnionCredit union Marion, NC | 70 out of 100, Strong | $38.3M | 17.7% | 2.53% | vs |
Deposit insurance
Is my money safe at Emergency Responders Credit Union?
Yes. Emergency Responders Credit Union is a federally insured credit union (NCUA charter #66354). 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 11.3% of shares and deposits ($3.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 8.12%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Emergency Responders Credit Union lists 3 offices in 2 cities. Most locations:
- Winston Salem, NC (2)
- Goldsboro, NC (1)
Identity & history
Profile
- Legal name
- Emergency Responders Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 66354
- RSSD ID
- 155898
- Primary regulator
- State + NCUA
- Established
- 1940
- Headquarters
- 1777 Link Rd, Winston Salem, NC 27103
- Employees
- 10
Quick answers
Emergency Responders Credit Union: common questions
Is Emergency Responders Credit Union NCUA insured?
Yes. Emergency Responders Credit Union is a federally insured credit union (NCUA charter #66354). 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 Emergency Responders Credit Union's TellerScore?
57 out of 100 (Moderate), 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 Emergency Responders Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Winston Salem
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| Summit Credit UnionCredit union Greensboro, NC | 82 out of 100, Strong | $368.8M | 15.4% | 0.71% | vs |
| The Fidelity BankBank Fuquay Varina, NC | 78 out of 100, Strong | $4.7B | 11.5% | 0.42% | vs |
| Piedmont Federal Savings BankBank Winston Salem, NC | 78 out of 100, Strong | $1.3B | 18.6% | 0.16% | vs |
| American Pride BankBank Macon, GA | 77 out of 100, Strong | $1.0B | 14.1% | 0.00% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |