credit union

First Carolina People's

Goldsboro, NC · Est. 1952
D
Trust Grade
Below average
Score: 61/100

First Carolina People's is a credit union based in Goldsboro, North Carolina, established in 1952, with $34 million in total assets serving 2,163 members. By Trust Grade it ranks 54th of 57 credit unions we track in North Carolina. Its net worth ratio of 8.6% trails most similarly sized credit unions (8th percentile), versus a North Carolina median of 12.7%. It posted a loss over the most recent period (-2.07% return on assets), a point to watch. No consumer complaints against First Carolina People's appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$33.7M
<$100M institution
Members
2,163
Shares & deposits
—
Net worth ratio
8.6%
Bottom 8% of <$100M peers · North Carolina median 12.7%
Return on assets
-2.1%
Bottom 5% of <$100M peers · North Carolina median 0.58%
Rank in North Carolina
#54
of 57 credit unions

How First Carolina People's compares to North Carolina peers

Net worth ratio
Bottom 8% of <$100M peers
First Carolina
8.6%
North Carolina median
12.7%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 5% of <$100M peers
First Carolina
-2.1%
North Carolina median
0.6%
Higher ROA = more profitable relative to asset base

How we graded First Carolina People's

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
61/100
Customer experience
n/a
Overall
D · 61
  • Well-capitalized (8.6% capital ratio)
  • Unprofitable over the period (ROA -2.07%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for First Carolina People's over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at First Carolina People's insured?

Yes. First Carolina People's is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

First Carolina People's: frequently asked questions

Is First Carolina People's a good credit union?

First Carolina People's earns a Bankzia Trust Grade of D (61/100, "Below average"), based on a financial-strength score of 61/100 (it has no CFPB complaints on record). Well-capitalized (8.6% capital ratio); Unprofitable over the period (ROA -2.07%).

Is First Carolina People's NCUA-insured?

Yes. First Carolina People's is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is First Carolina People's?

First Carolina People's holds $34 million in total assets, ranking 54th of 57 credit unions we track in North Carolina. It serves 2,163 members.

Does First Carolina People's have CFPB complaints?

No CFPB complaints against First Carolina People's appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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