Credit union · NCUA insured
Nova Credit Union
Top CarrotA $120.6M credit union headquartered in Charlotte, NC, with 11,107 members and 6 branches in 2 states. Best rates: CDs 3.55% and savings 1.51% APY.
Nova Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 96% of U.S. banks and credit unions
#4 of 38 in Charlotte, NC-SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Nova Credit Union
Nova Credit Union operates branches throughout central North Carolina.
- Headquarters
- 3601 Mulberry Church Rd, Charlotte, NC 28208
- NCUA charter
- 63425
Branches
6 branches in 2 states
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North Carolina
5 branches
Charlotte area · 3
- Nova Credit UnionMain office3601 Mulberry Church Rd, Charlotte, NC 28208Directions
- Nova Credit Union275 Branchview Dr SE, Concord, NC 28025Directions
- Nova Credit Union169 Dale Earnhardt Blvd, Kannapolis, NC 28081Directions
Greensboro area · 1
- Nova Credit Union4817 W Market St, Greensboro, NC 27407Directions
Hickory area · 1
- Nova Credit Union1022 11th Avenue Blvd SE, Hickory, NC 28602Directions
Kansas
1 branch
- Jack Henry Outlink Services10910 W 87th St, Lenexa, KS 66214Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.65% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.56% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.36% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio17.65%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.56%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.36%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Nova Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.