TellerScore

R T P Federal Credit Union is a federal credit union headquartered in Rtp, North Carolina, in business for about 58 years. At the end of Q2 2026 it reported $142.2M in total assets and $130.0M in member shares and deposits, with 3 offices.

R T P Federal Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 1,341 credit unions with $100 million – $1 billion. Among 57 credit unions headquartered in North Carolina, it ranks 41st. Funding & liquidity contributes the most (100/100, 60% loans-to-deposits, 3% uninsured); capital cushion contributes the least (31/100, 8.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion31/100
Net worth ratio: 8.08%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.85%
Earnings32/100
Return on assets (annualized): 0.29%
Funding & liquidity100/100
Loans ÷ shares: 60.3% · 2.9% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.12%

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 (58 → 58).

TellerScore
555861Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202461
Q4 202461
Q1 202558
Q2 202558
Q3 202556
Q4 202555
Q1 202658
Q2 202658
Net worth ratio
7.00%7.54%8.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.73%
Q3 20247.86%
Q4 20247.89%
Q1 20257.75%
Q2 20257.83%
Q3 20257.92%
Q4 20257.93%
Q1 20267.98%
Q2 20268.08%
Delinquent loans (60+ days)
0.30%0.62%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.34%
Q3 20240.30%
Q4 20240.40%
Q1 20250.31%
Q2 20250.60%
Q3 20250.81%
Q4 20250.94%
Q1 20260.60%
Q2 20260.85%
Return on assets
-0.10%0.12%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.21%
Q3 20240.24%
Q4 20240.33%
Q1 2025-0.10%
Q2 20250.19%
Q3 20250.23%
Q4 20250.25%
Q1 20260.15%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$142.2M8.08%0.85%0.29%60.3%
Q1 202658$143.9M7.98%0.60%0.15%62.3%
Q4 202555$141.9M7.93%0.94%0.25%62.2%
Q3 202556$142.6M7.92%0.81%0.23%64.7%
Q2 202558$143.7M7.83%0.60%0.19%63.2%
Q1 202558$144.2M7.75%0.31%-0.10%63.9%
Q4 202461$140.8M7.89%0.40%0.33%65.2%
Q3 202461$139.3M7.86%0.30%0.24%68.7%
Q2 202459$140.3M7.73%0.34%0.21%70.6%

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 ratio8.08%
4th
Problem loans0.85%
39th
Net charge-offs0.52%
34th
Return on assets0.29%
16th
Loans to deposits60.3%
77th
Uninsured deposits2.9%
83rd
Loan-loss reserves0.00%
50th
Texas ratio6.1%
31st

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Bragg Mutual Federal Credit UnionCredit union Fayetteville, NC54 out of 100, Below average$131.1M8.3%0.85%vs
Nova Credit UnionCredit union Charlotte, NC79 out of 100, Strong$120.7M17.6%0.56%vs
Weyco Community Credit UnionCredit union Plymouth, NC49 out of 100, Below average$115.5M9.9%2.21%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
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 R T P Federal Credit Union?

Yes. R T P Federal Credit Union is a federally insured credit union (NCUA charter #18550). 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 2.9% of shares and deposits ($3.8M) 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 8.08%, slightly 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

R T P Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, R T P Federal Credit Union reported 62 home-loan applications under HMDA (LEI 549300838ZAWQIH9V751): 45 originated ($4,205,000 total), 7 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
R T P Federal Credit Union
Type
Federal credit union
NCUA charter #
18550
RSSD ID
744788
Primary regulator
NCUA
Established
1968
Headquarters
P O Box 12807, Rtp, NC 27709
Employees
31

Quick answers

R T P Federal Credit Union: common questions

Is R T P Federal Credit Union NCUA insured?

Yes. R T P Federal Credit Union is a federally insured credit union (NCUA charter #18550). 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 R T P Federal Credit Union's TellerScore?

58 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 R T P Federal Credit Union have?

3 offices as of the latest NCUA data.