TellerScore

First Flight Federal Credit Union (NCUA charter #7870) is based in Cary, North Carolina. Its Q2 2026 call report shows $283.8M in total assets and $249.4M in member shares and deposits and 6 offices.

Based on its Q2 2026 filing, First Flight Federal Credit Union scores 71/100, which we describe as strong. That is higher than 54% of 1,341 credit unions with $100 million – $1 billion. Among 57 credit unions headquartered in North Carolina, it ranks 28th. Its strongest component is funding & liquidity (93/100; 68% loans-to-deposits, 6% uninsured), and its lowest is earnings (50/100; 0.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.06%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.66%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity93/100
Loans ÷ shares: 67.7% · 5.8% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.68%

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 3 points (74 → 71), mostly because the capital cushion component weakened by 6 points.

TellerScore
667685Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202485
Q3 202479
Q4 202470
Q1 202571
Q2 202574
Q3 202571
Q4 202566
Q1 202666
Q2 202671
Net worth ratio
7.00%9.79%12.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202412.57%
Q3 202412.54%
Q4 202411.89%
Q1 202511.78%
Q2 202511.71%
Q3 202511.61%
Q4 202511.26%
Q1 202611.08%
Q2 202611.06%
Delinquent loans (60+ days)
0.40%0.70%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.54%
Q3 20240.60%
Q4 20240.77%
Q1 20250.40%
Q2 20250.52%
Q3 20250.75%
Q4 20251.00%
Q1 20260.82%
Q2 20260.66%
Return on assets
0.21%0.95%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.69%
Q3 20241.26%
Q4 20240.50%
Q1 20250.21%
Q2 20250.78%
Q3 20250.71%
Q4 20250.46%
Q1 20260.30%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$283.8M11.06%0.66%0.75%67.7%
Q1 202666$278.1M11.08%0.82%0.30%68.3%
Q4 202566$271.7M11.26%1.00%0.46%69.8%
Q3 202571$264.8M11.61%0.75%0.71%70.2%
Q2 202574$259.1M11.71%0.52%0.78%68.5%
Q1 202571$252.5M11.78%0.40%0.21%68.8%
Q4 202470$249.1M11.89%0.77%0.50%70.1%
Q3 202479$244.7M12.54%0.60%1.26%69.8%
Q2 202485$240.6M12.57%0.54%1.69%66.3%

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 ratio11.06%
45th
Problem loans0.66%
51st
Net charge-offs1.05%
8th
Return on assets0.75%
51st
Loans to deposits67.7%
66th
Uninsured deposits5.8%
51st
Loan-loss reserves0.00%
50th
Texas ratio3.7%
54th

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Duke University Federal Credit UnionCredit union Durham, NC64 out of 100, Moderate$203.2M10.7%1.71%vs
Piedmont Advantage Credit UnionCredit union Winston Salem, NC54 out of 100, Below average$367.9M8.6%0.50%vs
Summit Credit UnionCredit union Greensboro, NC82 out of 100, Strong$368.8M15.4%0.71%vs
Mountain Credit UnionCredit union Waynesville, NC70 out of 100, Strong$372.4M11.2%0.67%vs
R T P Federal Credit UnionCredit union Rtp, NC58 out of 100, Moderate$142.2M8.1%0.85%vs
Telco Community Credit UnionCredit union Candler, NC76 out of 100, Strong$429.3M12.4%1.23%vs

Deposit insurance

Is my money safe at First Flight Federal Credit Union?

Yes. First Flight Federal Credit Union is a federally insured credit union (NCUA charter #7870). 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 5.8% of shares and deposits ($14.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.06%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

First Flight Federal Credit Union lists 6 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Flight Federal Credit Union
Type
Federal credit union
NCUA charter #
7870
RSSD ID
570286
Primary regulator
NCUA
Established
1952
Headquarters
1815 Kildaire Farm Rd, Suite a, Cary, NC 27518
Employees
65

Quick answers

First Flight Federal Credit Union: common questions

Is First Flight Federal Credit Union NCUA insured?

Yes. First Flight Federal Credit Union is a federally insured credit union (NCUA charter #7870). 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 Flight Federal Credit Union's TellerScore?

71 out of 100 (Strong), 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 Flight Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cary

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
Farmers & Merchants BankBank Granite Quarry, NC90 out of 100, Very strong$998.8M15.3%0.79%vs
Summit Credit UnionCredit union Greensboro, NC82 out of 100, Strong$368.8M15.4%0.71%vs
Providence BankBank Rocky Mount, NC82 out of 100, Strong$1.5B12.2%0.12%vs
Carolinas Telco Federal Credit UnionCredit union Charlotte, NC79 out of 100, Strong$506.3M15.1%0.91%vs