North Carolina Community
Goldsboro, NC · Charter 12004 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$107.1MAssets
$55.2MLoans
$98.3MShares
$11.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 85% of credit unions under $1B in assets (rank 254 of 1681).
- Widest gap: equity / assets trails 70% of credit unions under $1B in assets (rank 1170 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.13%
Rank 477 of 1,683
Net Interest Margin
4.23%
Rank 478 of 1,683
Efficiency Ratio
74.76%
Rank 669 of 1,682
Equity / Assets
10.92%
Rank 1,170 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.35% | 0.74% | 1.18% | Beats 72% | 477 / 1,683 | |
| Return on Equity | 10.33% | 2.67% | 5.89% | 8.74% | Beats 85% | 254 / 1,681 | |
| Net Interest Margin | 4.23% | 3.31% | 3.82% | 4.32% | Beats 72% | 478 / 1,683 | |
| Efficiency Ratio | 74.76% | 68.91% | 78.20% | 86.93% | Beats 60% | 669 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.26% | 0.65% | 1.29% | Beats 84% | 267 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.92% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,170 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.92% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,170 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 56.21% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,183 / 1,683 | |
| Loans / Assets | 51.60% | 44.71% | 59.18% | 70.72% | 37th pctl | 1,064 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |