Headquartered in Goldsboro, North Carolina, First Carolina People'S Credit Union is a federally insured state-chartered credit union with $33.3M in total assets and $30.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1952.
Based on its Q2 2026 filing, First Carolina People'S Credit Union scores 21/100, which we describe as low. That is higher than only 0% of 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 56th. Its strongest component is funding & liquidity (67/100; 93% loans-to-deposits, 2% uninsured), and its lowest is problem-loan coverage (0/100; 57.5%).
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 fell 5 points (26 → 21), mostly because the problem-loan coverage component weakened by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 41 |
| Q3 2024 | 36 |
| Q4 2024 | 28 |
| Q1 2025 | 27 |
| Q2 2025 | 26 |
| Q3 2025 | 22 |
| Q4 2025 | 26 |
| Q1 2026 | 21 |
| Q2 2026 | 21 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.15% |
| Q3 2024 | 8.67% |
| Q4 2024 | 8.63% |
| Q1 2025 | 8.54% |
| Q2 2025 | 9.27% |
| Q3 2025 | 8.99% |
| Q4 2025 | 9.19% |
| Q1 2026 | 8.63% |
| Q2 2026 | 8.61% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.41% |
| Q3 2024 | 2.60% |
| Q4 2024 | 4.85% |
| Q1 2025 | 3.03% |
| Q2 2025 | 3.88% |
| Q3 2025 | 6.61% |
| Q4 2025 | 4.87% |
| Q1 2026 | 6.99% |
| Q2 2026 | 5.79% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.27% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.05% |
| Q1 2025 | -0.67% |
| Q2 2025 | -0.49% |
| Q3 2025 | -0.63% |
| Q4 2025 | -0.12% |
| Q1 2026 | -2.07% |
| Q2 2026 | -1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 21 | $33.3M | 8.61% | 5.79% | -1.29% | 93.2% |
| Q1 2026 | 21 | $33.7M | 8.63% | 6.99% | -2.07% | 91.8% |
| Q4 2025 | 26 | $33.5M | 9.19% | 4.87% | -0.12% | 93.5% |
| Q3 2025 | 22 | $33.7M | 8.99% | 6.61% | -0.63% | 92.4% |
| Q2 2025 | 26 | $33.5M | 9.27% | 3.88% | -0.49% | 93.5% |
| Q1 2025 | 27 | $36.6M | 8.54% | 3.03% | -0.67% | 84.1% |
| Q4 2024 | 28 | $36.9M | 8.63% | 4.85% | 0.05% | 83.5% |
| Q3 2024 | 36 | $37.6M | 8.67% | 2.60% | 0.06% | 81.9% |
| Q2 2024 | 41 | $35.9M | 9.15% | 2.41% | 0.27% | 84.5% |
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 |
|---|---|---|---|---|---|
| Oteen V. A. Federal Credit UnionCredit union Asheville, NC | 91 out of 100, Very strong | $34.3M | 13.0% | 0.15% | vs |
| Cs Credit UnionCredit union Catawba, NC | 84 out of 100, Strong | $30.5M | 18.7% | 0.46% | vs |
| Shuford Federal Credit UnionCredit union Hickory, NC | 75 out of 100, Strong | $36.1M | 13.7% | 0.89% | vs |
| Blue Flame Credit UnionCredit union Charlotte, NC | 62 out of 100, Moderate | $30.3M | 11.0% | 0.19% | vs |
| Emergency Responders Credit UnionCredit union Winston Salem, NC | 57 out of 100, Moderate | $30.2M | 8.1% | 0.84% | 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 First Carolina People'S Credit Union?
Yes. First Carolina People'S Credit Union is a federally insured credit union (NCUA charter #62673). 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 2.1% of shares and deposits ($648K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 8.61%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
First Carolina People'S Credit Union lists 1 office in 1 city. Most locations:
- Goldsboro, NC (1)
Identity & history
Profile
- Legal name
- First Carolina People'S Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62673
- RSSD ID
- 741899
- Primary regulator
- State + NCUA
- Established
- 1952
- Headquarters
- Po Box 1637, Goldsboro, NC 27533
- Employees
- 9
Quick answers
First Carolina People'S Credit Union: common questions
Is First Carolina People'S Credit Union NCUA insured?
Yes. First Carolina People'S Credit Union is a federally insured credit union (NCUA charter #62673). 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 First Carolina People'S Credit Union's TellerScore?
21 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 First Carolina People'S Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Goldsboro
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Workmen'S Circle Incorporated Credit UnionCredit union Savannah, GA | 90 out of 100, Very strong | $135.0M | 20.8% | 0.00% | vs |
| Guco Credit UnionCredit union Greenville, NC | 81 out of 100, Strong | $10.2M | 17.8% | 0.13% | vs |
| North Carolina Community Federal Credit UnionCredit union Goldsboro, NC | 80 out of 100, Strong | $107.1M | 10.9% | 0.13% | vs |
| First BankBank Southern Pines, NC | 74 out of 100, Strong | $13.0B | 11.5% | 0.49% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |
| Southern Bank and Trust CompanyBank Mount Olive, NC | 70 out of 100, Strong | $5.3B | 9.6% | 0.12% | vs |