TellerScore

Headquartered in Charlotte, North Carolina, Nova Credit Union is a federally insured state-chartered credit union with $120.7M in total assets and $99.5M in member shares and deposits as of Q2 2026. It operates 6 offices across 2 states. Its charter dates back to 1934.

Based on its Q2 2026 filing, Nova Credit Union scores 79/100, which we describe as strong. That is higher than 76% of 1,341 credit unions with $100 million – $1 billion. Among 57 credit unions headquartered in North Carolina, it ranks 15th. Its strongest component is capital cushion (100/100; 17.65%), and its lowest is earnings (34/100; 0.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.65%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.56%
Earnings34/100
Return on assets (annualized): 0.36%
Funding & liquidity84/100
Loans ÷ shares: 76.7% · 3.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 79).

TellerScore
767981Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202476
Q4 202477
Q1 202576
Q2 202579
Q3 202578
Q4 202581
Q1 202681
Q2 202679
Net worth ratio
7.00%12.32%17.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.78%
Q3 202416.90%
Q4 202416.79%
Q1 202516.63%
Q2 202516.85%
Q3 202517.45%
Q4 202517.05%
Q1 202617.58%
Q2 202617.65%
Delinquent loans (60+ days)
0.25%0.52%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.77%
Q3 20240.78%
Q4 20240.71%
Q1 20250.66%
Q2 20250.58%
Q3 20250.63%
Q4 20250.25%
Q1 20260.42%
Q2 20260.56%
Return on assets
0.03%0.22%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.03%
Q3 20240.13%
Q4 20240.10%
Q1 20250.03%
Q2 20250.29%
Q3 20250.38%
Q4 20250.33%
Q1 20260.40%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$120.7M17.65%0.56%0.36%76.7%
Q1 202681$120.6M17.58%0.42%0.40%76.7%
Q4 202581$120.7M17.05%0.25%0.33%77.0%
Q3 202578$117.7M17.45%0.63%0.38%77.4%
Q2 202579$121.0M16.85%0.58%0.29%75.4%
Q1 202576$121.8M16.63%0.66%0.03%72.7%
Q4 202477$120.3M16.79%0.71%0.10%72.0%
Q3 202476$119.7M16.90%0.78%0.13%72.2%
Q2 202476$120.0M16.78%0.77%0.03%71.1%

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 ratio17.65%
94th
Problem loans0.56%
60th
Net charge-offs0.35%
50th
Return on assets0.36%
21st
Loans to deposits76.7%
48th
Uninsured deposits3.0%
81st
Loan-loss reserves0.00%
50th
Texas ratio2.0%
76th

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Weyco Community Credit UnionCredit union Plymouth, NC49 out of 100, Below average$115.5M9.9%2.21%vs
Bragg Mutual Federal Credit UnionCredit union Fayetteville, NC54 out of 100, Below average$131.1M8.3%0.85%vs
American Partners Federal Credit UnionCredit union Reidsville, NC69 out of 100, Moderate$107.7M10.6%0.30%vs
North Carolina Community Federal Credit UnionCredit union Goldsboro, NC80 out of 100, Strong$107.1M10.9%0.13%vs
R T P Federal Credit UnionCredit union Rtp, NC58 out of 100, Moderate$142.2M8.1%0.85%vs
Duke University Federal Credit UnionCredit union Durham, NC64 out of 100, Moderate$203.2M10.7%1.71%vs

Deposit insurance

Is my money safe at Nova Credit Union?

Yes. Nova Credit Union is a federally insured credit union (NCUA charter #63425). 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 3.0% of shares and deposits ($3.0M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 17.65%, well 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

Nova Credit Union lists 6 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Nova Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63425
RSSD ID
574396
Primary regulator
State + NCUA
Established
1934
Headquarters
3601 Mulberry Church Rd, Charlotte, NC 28208
Employees
49

Quick answers

Nova Credit Union: common questions

Is Nova Credit Union NCUA insured?

Yes. Nova Credit Union is a federally insured credit union (NCUA charter #63425). 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 Nova Credit Union's TellerScore?

79 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 Nova Credit Union have?

6 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Charlotte

InstitutionScoreAssetsCapitalProblem loansCompare
Cedar Hill National BankBank Charlotte, NC93 out of 100, Very strong$16.0M67.6%0.00%vs
Farmers & Merchants BankBank Granite Quarry, NC90 out of 100, Very strong$998.8M15.3%0.79%vs
Allvac Savings and Credit UnionCredit union Monroe, NC90 out of 100, Very strong$9.5M17.6%0.09%vs
Members Credit UnionCredit union Winston Salem, NC85 out of 100, Very strong$477.1M14.8%0.82%vs
Bank of YorkBank York, SC83 out of 100, Strong$317.7M12.9%0.86%vs
American Bank of the CarolinasBank Monroe, NC80 out of 100, Strong$214.0M12.3%0.00%vs