Team and Wheel
Winston-Salem, NC · Charter 21639 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
$11.2MAssets
$8.3MLoans
$9.5MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 93% of credit unions under $1B in assets (rank 116 of 1723).
- Widest gap: return on assets trails 99% of credit unions under $1B in assets (rank 1700 of 1724).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-2.72%
Rank 1,700 of 1,724
Net Interest Margin
5.38%
Rank 116 of 1,723
Efficiency Ratio
128.59%
Rank 1,683 of 1,721
Equity / Assets
12.67%
Rank 819 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.72% | 0.25% | 0.67% | 1.13% | Beats 1% | 1,700 / 1,724 | |
| Return on Equity | -21.45% | 1.95% | 5.34% | 8.54% | Beats 2% | 1,696 / 1,723 | |
| Net Interest Margin | 5.38% | 3.03% | 3.61% | 4.27% | Beats 93% | 116 / 1,723 | |
| Efficiency Ratio | 128.59% | 69.84% | 78.36% | 87.50% | Beats 2% | 1,683 / 1,721 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.83% | 0.28% | 0.70% | 1.38% | Beats 44% | 970 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.67% | 10.16% | 12.41% | 16.03% | Beats 53% | 818 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.67% | 10.15% | 12.41% | 16.03% | Beats 52% | 819 / 1,723 | |
| Liquidity & Funding |
| Loans / Deposits | 87.59% | 55.95% | 72.66% | 85.34% | 79th pctl | 361 / 1,722 | |
| Loans / Assets | 74.05% | 47.91% | 62.00% | 72.82% | 79th pctl | 366 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |