# GREATER KINSTON
KINSTON, NC · NCUA charter 64034 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/greater-kinston-64034

Who the members are: state charter, organized 1952, low-income designated, minority depository institution. 3,833 members of 134,100 potential (2.9% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 17.

**Verdict on the desk:** this could be *ordinary*. 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 | $14.3M |
| Members | 3,833 (-3.3% YoY) |
| Full-time staff | 5 |
| Net worth | $1.8M |
| Net worth ratio | 12.7% (p36 of band) |
| ROA (annualized) | 0.06% (p26 of band) |
| Total delinquency | 1.16% (p65 of band) |
| Net charge-offs (annualized) | 1.38% (p90 of band) |
| Loans / shares | 74% (p72 of band) |
| Cash / assets | 33.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.66% (p41 of band) |
| Operating expense / assets | 4.04% (p61 of band) |
| Vehicles % of loans | 17% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 6.10% (p95 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 38% |
| Average share balance | $2,243 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 17% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $14,330 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 0 |  | repo signal |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | delinquency rising, repo signal |  |
| 2017-09 | 3 | assets shrinking |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 1 |  | delinquency rising, repo signal |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | assets shrinking |
| 2018-12 | 1 | net worth falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | repo signal |  |
| 2019-09 | 2 | delinquency rising | net worth falling |
| 2019-12 | 5 | delinquency 2x band, members leaving, loan book shrinking |  |
| 2020-03 | 5 | charge-offs p90 | loan book shrinking |
| 2020-06 | 3 | net worth falling, margin squeeze | repo signal, delinquency rising, delinquency 2x band, charge-offs p90 |
| 2020-09 | 4 | delinquency 2x band, delinquency rising | net worth falling |
| 2020-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2021-03 | 1 | net worth falling | members leaving, margin squeeze |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | delinquency rising |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | delinquency 2x band, loan book shrinking |  |
| 2022-09 | 4 | repo signal |  |
| 2022-12 | 2 |  | loan book shrinking, repo signal |
| 2023-03 | 2 | charge-offs p90, assets shrinking | delinquency rising, delinquency 2x band |
| 2023-06 | 1 | net worth falling | charge-offs p90, assets shrinking |
| 2023-09 | 0 |  | net worth falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 2 | delinquency 2x band |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | charge-offs p90, repo signal |  |
| 2025-06 | 2 | net worth falling | delinquency rising, charge-offs p90, repo signal |
| 2025-09 | 3 | charge-offs p90, repo signal | net worth falling |
| 2025-12 | 3 | losing money | repo signal |
| 2026-03 | 2 | members leaving, loan book shrinking | delinquency 2x band, charge-offs p90, losing money |

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

- 2024-02-09 [ENC's last local black-owned 'unicorn' credit union promotes financial literacy - WCTI](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOaHg4cDRLRy1USENhaDFvbTVfSm9LN1pWNWV3XzFENE55WXZXTjRZbnpJZ19CbW0tV0FEMDZRU21rVGtaa0lkR0hIZkpSbnhuUU9xUkF2YnQ4RG5wY1NlUTJ3X25CR2w2QWdfZXdSNS1icXJ2TGZhLUpJem9zai04bC1mYVZDc0JrN1FlT3dNa2NHYmRwTHdVOV9KSkswamFIWGNHN2lhTm1YTEdfX1IxRy1NbVNpdUlN?oc=5) · WCTI
- 2013-08-20 [Greater Kinston Credit Union Working To Keep Legacy Strong - WUNC News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNdFRUcDNEWHJ2cm9Dc2RhWDJwZTVOZ25aNE54ZjZaOFJvd2RzeG9BZlR2ZmplTi1fbkNFSzFnd2xGMmhPU3NDMXl1VVFJLUN6Uk44dXdnbFJ0NTQ3dWRwQzYyN3hyYU9ocVlXMTdrb1hZVjJkb205Y2huQkRBekZhc1RLOWpacFk3am9CWlRBbDZNQ3p6eEdoV21sRWEwekJfWDN2cmpPWTQzQUk?oc=5) · WUNC News
- 2020-02-03 [Jaimie Spruill named CEO of Greater Kinston Credit Union - Neuse News](https://news.google.com/rss/articles/CBMingFBVV95cUxQMUZ0ZGZXdG1lVXNFUzY2dnNwZFZUMll4eVdZUWJCOFRjdjRJakZBcnhOZFRvcWhlU0QzZGs3eDZITzBiNlJxTDhoZmotVXcxZk5qeENua3lIdFJFN2FQUnh0OU1WSlQ0c2JUd0o1OE5aZE10TjFEUUxINXNleFhXZjZWaDg2SGFMb0FMVGRrQ0J4Q3ViamxvU1dYVktWZw?oc=5) · Neuse News
- 2025-02-19 [Black Owned Credit Unions You Should Know - Shoppe Black](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1rWVo2ZldNTEZ4XzlKSlVoaC0yaXlSMmd5dFI0cmpoU0Z3cG8wR0tvT2EtdkI4U1NfamlsT01adjM4RXlfWFRVWkh0RXVXTDc3SG5TVHIwWWJSUVpuVnc?oc=5) · Shoppe Black
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2016-02-01 [Napoleon Wallace - modeldmedia.com](https://news.google.com/rss/articles/CBMiUkFVX3lxTE13SElrUkJpbG9TYXJOWWFjRUp5a0xBSHJzcEdaSXh5aW5Sc29Dc1hnS1dLcGtzZ3o1YkxZeks5UF8wV0F3QkNNMDdWbExlMHBEbGc?oc=5) · modeldmedia.com
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2023-11-06 [All the Black-owned banks in America and why you should support them - Face2Face Africa](https://news.google.com/rss/articles/CBMipwFBVV95cUxPek1SYVR4cm5TclNJT0tEQ1MyZ3JUa1hMQTVPU1JxV3B6TXN2bFFZeHVTaTU5ZmVLWFoxb255R2p0WDE1eTlkd2xfU3J6QmZodDRlVHRJdXhhaVI2NkRoR3NuQk9jNjRuVUJudUdFN0o4bjBlbms2UUQyVTg4eUowenEtcEdxMHFnZzVWRFQ2bmw2RzRVRjNWeGFqQ3pfa1FPZVQ4Nzkxdw?oc=5) · Face2Face Africa

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64034 (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/34.json (key "64034", 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=64034
- 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.

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