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Rtp, NC · Charter 18550 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$142.2MAssets
$78.4MLoans
$130.0MShares
$11.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 41% of credit unions under $1B in assets (rank 994 of 1682).
- Widest gap: equity / assets trails 96% of credit unions under $1B in assets (rank 1618 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.29%
Rank 1,321 of 1,683
Net Interest Margin
3.51%
Rank 1,110 of 1,683
Efficiency Ratio
86.41%
Rank 1,239 of 1,682
Equity / Assets
8.06%
Rank 1,618 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.29% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,321 / 1,683 | | |
| Return on Equity | 3.58% | 2.67% | 5.89% | 8.74% | Beats 32% | 1,141 / 1,681 | | |
| Net Interest Margin | 3.51% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,110 / 1,683 | | |
| Efficiency Ratio | 86.41% | 68.91% | 78.20% | 86.93% | Beats 26% | 1,239 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.26% | 0.65% | 1.29% | Beats 41% | 994 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.06% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,618 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.06% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,618 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.27% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,094 / 1,683 | | |
| Loans / Assets | 55.13% | 44.71% | 59.18% | 70.72% | 42nd pctl | 973 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |