# NORTH CAROLINA COMMUNITY
GOLDSBORO, NC · NCUA charter 12004 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/north-carolina-community-12004

Who the members are: federal charter, community charter, organized 1957, low-income designated. 5,869 members of 120,338 potential (4.9% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $102.7M |
| Members | 5,869 (2.4% YoY) |
| Full-time staff | 24 |
| Net worth | $11.4M |
| Net worth ratio | 11.1% (p41 of band) |
| ROA (annualized) | 1.06% (p71 of band) |
| Total delinquency | 0.21% (p16 of band) |
| Net charge-offs (annualized) | 0.31% (p47 of band) |
| Loans / shares | 58% (p29 of band) |
| Cash / assets | 20.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.34% (p85 of band) |
| Operating expense / assets | 3.82% (p57 of band) |
| Vehicles % of loans | 50% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 93% |
| Third-party paper % of net worth | 224% (p88 of band) |
| Vehicle delinquency | 0.40% (p37 of band) |
| Vehicle NCO | 0.61% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 51% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 15% |
| Average share balance | $9,358 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $28,923 |
| Loans granted, annualized | $31.0M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 | delinquency 2x band | losing money |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 5 | delinquency 2x band, delinquency rising, repo signal, members leaving |  |
| 2017-06 | 2 |  | net worth falling, delinquency rising, repo signal |
| 2017-09 | 4 | delinquency rising, repo signal |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 2 |  | delinquency 2x band, delinquency rising |
| 2018-06 | 1 | net worth falling | members leaving, repo signal |
| 2018-09 | 1 | members leaving | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | assets shrinking |  |
| 2019-09 | 0 |  | members leaving, assets shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 0 |  | delinquency rising |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 3 | repo signal |  |
| 2021-06 | 2 | members leaving | net worth falling, repo signal |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | net worth falling, losing money, delinquency rising | margin squeeze |
| 2022-06 | 2 | 3rd-party paper>100% NW | members leaving, net worth falling, delinquency rising |
| 2022-09 | 3 | thin capital |  |
| 2022-12 | 2 | members leaving | losing money, thin capital |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | members leaving |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-24 [NCCFCU Warns of Phone Scam Targeting Local Residents - Goldsboro Daily News](https://news.google.com/rss/articles/CBMioAFBVV95cUxOZmJXMjBrdXM3dm5BQlhkUE45U3RycllRdUxqLUEyZ3VOYkFyWEs5S0szNGhiTXE2TTNsV2N1WnVleUVHVmJRRVNyRHhIWTYtVkZqSUdjNnoxVDJGUklsZ3dvTHZPazhpbFNVUi0tZFowSU1GZXdPTXoybVZDdExuRVlrbGZmaGkzWnA0Q0hFSmJJSXhHREVyVE5jT0hSTWJy?oc=5) · Goldsboro Daily News
- 2025-09-23 [BofA Commits $12 Million for Western North Carolina Residents and Small Businesses Impacted by Hurricane Helene - Bank of America](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQSlJDYTM4Y2phU1pKdG1CajhHai1IaWJjcFdhTXdMeFBweFNaVWkwMWswVmR5NWpPOFVQSzJFZkFLRFFVMGFoVFhQanp6RXM2ZGtnUzlwY0ljcnJLLWNoUTZNUW5tWTc0QWQzb0xmazhqYnFtdi11UENfcE9CbDYybzBISU8tNFA3cXRNa3pYSkV5SjJ4S2ZzOWxDMGI2Z1ZnMGFGOGNheTBaQ2IwZWZrbVZ4R2JNNEpud2wwd2RHd3FPY1hKYS1iUlJXQlBFT1VFbUpib3BFeG43Mnhv?oc=5) · Bank of America
- 2025-11-06 [NC community colleges prepare for Workforce Pell to support adult learners - EdNC](https://news.google.com/rss/articles/CBMinAFBVV95cUxOWE5GZnhzVTcxRDNqOVRMRXFRc2VpMUVmRDJaUkJudUtXNTZzM0ZmRURoZkxlNzNmTWh6OE1nNk5JMVdEVmQwdS1kX2w2MlVSc19Qd3MybV9oUVNkdVN5WEZ1VkppMXMtUzJPMmVjYzhQd2VSenROUDh2ZzFkR1pIZFhmV3ZjNjliOVJodGNXaDJXVU1IaEFER3V0U0M?oc=5) · EdNC
- 2026-08-13 [SECU awards nearly $6 million to 23 North Carolina nonprofits - WSPA 7News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQc3NDRkYySk1pZ0p4aldURkRIYUNIdjZoSmFMaU9EUmhKemxnWm8yMC1CR3RDTjhfcGFIOEtsYUlWVDk1Wl83NEZ2N0g4NjZPYjJxbThBbFYwSWVZaXFCcU9jc3kwSU1LZVZ4am9nTU9CdkhiUkdQdjRRZW5ueDhpdF9YdUFNWlQxX0cwUXRTRzdybmJsMTNxNEpLcDk0WnPSAaQBQVVfeXFMT1NzbVZDeGFSTS02X2NXOXR3bmF0RzV1SVNrWHVWaXM3Z3hyZ0x2bkpjUFZrb3l4cFlXdnl1VzhhWi02MkViYzM1eXFtZG53Sllkc3FZdEpldjNCeGZkTHFwOTRfblJ3YmZnRHRDVl9sWElXemJmTkVYd3htS3B0c3hYOWpPUHB2SUxkSG44ckdxY0lBd2RFRVEtSVljTld1d3l3Q1k?oc=5) · WSPA 7News
- 2017-10-17 [Rowan-Cabarrus Community College announces scholarships - WBTV](https://news.google.com/rss/articles/CBMilwFBVV95cUxQZkNTMWtSV05WeTFRTGdkSmVmeTFNeUg4RXNrbnVsa0RqNnRXU3RXaXpnMVFnRm44c3Z6bENDM0RwS01Oa1ZIY1M1TzNYNl9tOE5KdWY4dWU4NWJFaXZkanljSFpvLUE4QXBHVUhTdTJBNHMtd2xKemJDRXlWVTFIRGwyLVI3aWdkajRSZDdSZUo4TXlOeE5j0gGqAUFVX3lxTE5tbzlFZHBYYUpQZkxWbksxc1N1Tjc4eERMWnhEanRYWDNDdVRSdG85VjZJN0JnSlI1cFpTNUJOdEJEZUxQSFJ2V1FyMU5mTnozWlI0anVoR3ZoLWpiMVB0WkhRb1dpVmxnY3R3eUYxZHA5b3JuaWwtZ1VmbHBja3lWS3REZXZEOVh4R0JEMnp6c1NUbm1qaFBxOGN5VldjWGFwZkZZN0ZJQlFR?oc=5) · WBTV
- 2020-12-17 [SECU Foundation gives $3 million to benefit COVID-19 pandemic response - WITN](https://news.google.com/rss/articles/CBMipAFBVV95cUxQTWVxc09RUTdDN3Q2andqeU1Xb0lNNnBBc2NNUDRTdnBWNEg4YUtPWkR2cTl2TGgtMHpWcFF2aFFkVUYweklnRXp6bXRFc1dXMm10VkpvbXJWLWlIWDdiRUF0eEpEa0U0Z1pldnRjNWs3Sl9DaVhwaURQVXBIcUVxbGc2QVRYWUVCNEpzak1wVlRsMXFsMXZ6ZncyRlU0ekpnZzB6adIBuAFBVV95cUxOcWl2VW1pUnpkX3l2OW1CdDNvZjZPX09NbFdORllnbHNRWXAzdUVlb2I2ajd2WnVScFZLRlA1ZHdOUGJsMndobXZBN0dmV2hZWHJVT0dnd3NYRHhlNXdiZEV5MEhYVmlGbDFCemtPVHVwejBFcm00NDk1QzlnZVhRM2FuNEpCdEljV2I5SkpZLXlDMGtFVmNPaFlRVGtOaEN5V1dwRkdDTUxMODBsNEVFQTdtOUh3Qnlv?oc=5) · WITN
- 2025-08-29 [State Employees Credit Union joins forces with James Sprunt Community College to help students achieve their educational goals - reflector.com](https://news.google.com/rss/articles/CBMiogJBVV95cUxPNnFlRnlUckNNSFJONFhlcW52RHllWHA3dUZ6eG5YZWZDWGFXcF95NU93bGhQUFo3QWJUdXQ1QmVCaTNiUmxDRnE5RFlwU1BZd0tFS2lCbzJIRV8teV9IR3N2OEp6NEJKTFNMY25pcnRpZnI0c0xETXlSd2NKZ2JGQWdvTl9WeGhXTGY2Rnk0eE5Ualo1M0FYZXFnOVBRcEFnVDVPUTZwb3oteDVURWJ6djNocmNYMHdHX3VIeko5SnNyUlBuMUxLR25mWDBfQS1PcWh0V2NKVzZfaDJ5YUtjbGJKUjUtcEM3TGR4alJ3SEVEd3N2bjhaTnJnMVEzNnJJZzFmdHBrVXMzU191VXBYVEUzZ21HRll2bUstLVU4RU1EQQ?oc=5) · reflector.com
- 2009-12-02 [Kent Roberts Obituary Dec 2, 2009 - Wells Funeral Homes & Cremation Services](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFB0UWtpT0NwN0dwLXR1NDEzMy1wbmJ6cHI1LVYtUmZvOG1RTjdfVGp5TjNZRnUyWVlNb3FnVjNIZ1d1Y0dRSkVtWFl3SVVZV2lGLXJqWWdhZ3BPcjJpSFFRcHVwc1pGN3M?oc=5) · Wells Funeral Homes & Cremation Services

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12004 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/36.json (key "12004", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=12004
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide