TellerScore

Welcome Federal Credit Union is a federal credit union headquartered in Morrisville, North Carolina, in business for about 52 years. At the end of Q2 2026 it reported $92.0M in total assets and $79.3M in member shares and deposits, with 3 offices.

Welcome Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 38% of its 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 32nd. Funding & liquidity contributes the most (100/100, 55% loans-to-deposits, 10% uninsured); earnings contributes the least (28/100, 0.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 13.02%
Loan quality63/100
Loans 60+ days delinquent ÷ total loans: 1.11%
Earnings28/100
Return on assets (annualized): 0.21%
Funding & liquidity100/100
Loans ÷ shares: 55.4% · 10.5% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.36%

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 (68 → 69).

TellerScore
636770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202463
Q4 202467
Q1 202566
Q2 202568
Q3 202566
Q4 202566
Q1 202670
Q2 202669
Net worth ratio
7.00%10.07%13.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.47%
Q3 202412.53%
Q4 202412.98%
Q1 202512.62%
Q2 202512.89%
Q3 202513.12%
Q4 202513.14%
Q1 202612.73%
Q2 202613.02%
Delinquent loans (60+ days)
0.97%1.29%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.27%
Q3 20241.53%
Q4 20241.41%
Q1 20251.51%
Q2 20251.45%
Q3 20251.61%
Q4 20251.59%
Q1 20260.97%
Q2 20261.11%
Return on assets
0.19%0.30%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.21%
Q4 20240.27%
Q1 20250.40%
Q2 20250.38%
Q3 20250.35%
Q4 20250.31%
Q1 20260.19%
Q2 20260.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$92.0M13.02%1.11%0.21%55.4%
Q1 202670$93.8M12.73%0.97%0.19%54.8%
Q4 202566$90.5M13.14%1.59%0.31%58.8%
Q3 202566$90.3M13.12%1.61%0.35%60.3%
Q2 202568$92.0M12.89%1.45%0.38%59.8%
Q1 202566$93.4M12.62%1.51%0.40%58.0%
Q4 202467$90.0M12.98%1.41%0.27%62.8%
Q3 202463$92.5M12.53%1.53%0.21%64.5%
Q2 202466$93.2M12.47%1.27%0.23%65.7%

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 ratio13.02%
40th
Problem loans1.11%
36th
Net charge-offs0.16%
52nd
Return on assets0.21%
27th
Loans to deposits55.4%
55th
Uninsured deposits10.5%
6th
Loan-loss reserves0.00%
37th
Texas ratio4.4%
33rd

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Wnc Community Credit UnionCredit union Waynesville, NC83 out of 100, Strong$96.0M17.0%0.28%vs
Carolina Federal Credit UnionCredit union Cherryville, NC65 out of 100, Moderate$85.1M10.6%0.72%vs
Revity Federal Credit UnionCredit union Greensboro, NC36 out of 100, Low$83.0M7.9%2.12%vs
Electel CooperativeCredit union Raleigh, NC72 out of 100, Strong$68.2M12.7%0.37%vs
Lion'S Share Federal Credit UnionCredit union Salisbury, NC32 out of 100, Low$64.7M3.2%1.26%vs
Acclaim Federal Credit UnionCredit union Greensboro, NC78 out of 100, Strong$60.4M12.9%0.44%vs

Deposit insurance

Is my money safe at Welcome Federal Credit Union?

Yes. Welcome Federal Credit Union is a federally insured credit union (NCUA charter #24807). 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 10.5% of shares and deposits ($8.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.02%, 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

Welcome Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Welcome Federal Credit Union
Type
Federal credit union
NCUA charter #
24807
RSSD ID
878795
Primary regulator
NCUA
Established
1974
Headquarters
Po Box 830, Morrisville, NC 27560
Employees
21

Quick answers

Welcome Federal Credit Union: common questions

Is Welcome Federal Credit Union NCUA insured?

Yes. Welcome Federal Credit Union is a federally insured credit union (NCUA charter #24807). 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 Welcome Federal Credit Union's TellerScore?

69 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 Welcome Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Morrisville

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
Vision Financial Federal Credit UnionCredit union Durham, NC94 out of 100, Very strong$59.5M16.8%0.00%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