Goldsboro, North Carolina · Peer group 3
First Carolina People's Credit Union
First Carolina People's Credit Union holds $33.7M in assets across 2,163 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1952. Charter number 62673, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $33.7M |
|---|---|
| Total loans | $28.1M |
| Total shares (deposits) | $30.6M |
| Net worth | $2.9M |
| Members | 2,163 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -8.0% | |
|---|---|---|
| Loans | 0.2% | around the 63rd percentile of its peer group |
| Deposits | -8.2% | lower than 94% of its peer group |
| Members | -4.7% | around the 18th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 91.8% | higher than 95% of its peer group |
|---|---|---|
| Net worth ratio | 8.6% | lower than 92% of its peer group |
| Return on assets | -2.07% | lower than 97% of its peer group |
| Delinquency ratio | 6.99% | higher than 99% of its peer group |
| Cash / assets | 7.6% | around the 29th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is First Carolina People's Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within North Carolina — the comparison set a peer ratio is measured against.
- Oteen V. A. Credit Union
ASHEVILLE, NC
$34.8M · 2,109 members
- Cs Credit Union
Catawba, NC
$31.5M · 2,841 members
- Shuford Credit Union
Hickory, NC
$36.3M · 4,374 members
- Blue Flame Credit Union
Charlotte, NC
$30.6M · 3,036 members
- McDowell Cornerstone Credit Union
MARION, NC
$37.2M · 2,687 members
- Emergency Responders Credit Union
Winston Salem, NC
$29.9M · 3,380 members
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