TellerScore

Headquartered in Greenville, North Carolina, Guco Credit Union is a federally insured state-chartered credit union with $10.2M in total assets and $8.4M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1970.

Based on its Q2 2026 filing, Guco Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 10th. Its strongest component is capital cushion (100/100; 17.82%), and its lowest is earnings (30/100; 0.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.82%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.13%
Earnings30/100
Return on assets (annualized): 0.24%
Funding & liquidity77/100
Loans ÷ shares: 83.3% · 2.2% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.49%

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 2 points (83 → 81), mostly because the loan quality component weakened by 4 points.

TellerScore
768185Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202480
Q4 202479
Q1 202583
Q2 202583
Q3 202584
Q4 202584
Q1 202685
Q2 202681
Net worth ratio
7.00%12.84%18.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.31%
Q3 202417.62%
Q4 202418.12%
Q1 202517.86%
Q2 202518.16%
Q3 202518.68%
Q4 202518.45%
Q1 202618.24%
Q2 202617.82%
Delinquent loans (60+ days)
0.00%0.19%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.37%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.01%
Q1 20260.00%
Q2 20260.13%
Return on assets
-1.06%-0.26%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.06%
Q3 2024-0.36%
Q4 2024-0.33%
Q1 20250.25%
Q2 20250.25%
Q3 20250.40%
Q4 20250.37%
Q1 20260.55%
Q2 20260.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$10.2M17.82%0.13%0.24%83.3%
Q1 202685$10.0M18.24%0.00%0.55%84.1%
Q4 202584$9.8M18.45%0.01%0.37%80.7%
Q3 202584$9.7M18.68%0.00%0.40%83.2%
Q2 202583$9.9M18.16%0.00%0.25%80.4%
Q1 202583$10.0M17.86%0.00%0.25%78.1%
Q4 202479$9.8M18.12%0.00%-0.33%79.0%
Q3 202480$10.1M17.62%0.00%-0.36%71.6%
Q2 202476$10.2M17.31%0.37%-1.06%64.7%

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).

Capital ratio17.82%
69th
Problem loans0.13%
78th
Net charge-offs0.02%
67th
Return on assets0.24%
29th
Loans to deposits83.3%
16th
Uninsured deposits2.2%
43rd
Loan-loss reserves0.00%
37th
Texas ratio0.5%
75th

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Allvac Savings and Credit UnionCredit union Monroe, NC90 out of 100, Very strong$9.5M17.6%0.09%vs
North Carolina Press Association Federal Credit UnionCredit union Raleigh, NC75 out of 100, Strong$12.0M18.8%2.76%vs
Internal Revenue Employees Federal Credit UnionCredit union Greensboro, NC80 out of 100, Strong$12.2M29.4%0.75%vs
Arcade Credit UnionCredit union Asheville, NC80 out of 100, Strong$7.8M14.4%0.70%vs
Greater Kinston Credit UnionCredit union Kinston, NC57 out of 100, Moderate$14.3M12.4%1.28%vs
Hsm Federal Credit UnionCredit union Hickory, NC74 out of 100, Strong$5.5M14.1%0.80%vs

Deposit insurance

Is my money safe at Guco Credit Union?

Yes. Guco Credit Union is a federally insured credit union (NCUA charter #62985). 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 2.2% of shares and deposits ($182K) 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 17.82%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Guco Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Guco Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62985
RSSD ID
71699
Primary regulator
State + NCUA
Established
1970
Headquarters
P.O. Box 1847, Greenville, NC 27835
Employees
3

Quick answers

Guco Credit Union: common questions

Is Guco Credit Union NCUA insured?

Yes. Guco Credit Union is a federally insured credit union (NCUA charter #62985). 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 Guco Credit Union's TellerScore?

81 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 Guco Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Greenville

InstitutionScoreAssetsCapitalProblem loansCompare
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
First BankBank Southern Pines, NC74 out of 100, Strong$13.0B11.5%0.49%vs
TowneBankBank Portsmouth, VA74 out of 100, Strong$22.6B10.0%0.22%vs
First Flight Federal Credit UnionCredit union Cary, NC71 out of 100, Strong$283.8M11.1%0.66%vs
Southern Bank and Trust CompanyBank Mount Olive, NC70 out of 100, Strong$5.3B9.6%0.12%vs
Welcome Federal Credit UnionCredit union Morrisville, NC69 out of 100, Moderate$92.0M13.0%1.11%vs