Carolinas Telco
Charlotte, NC · Charter 23494 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
$506.3MAssets
$295.6MLoans
$425.2MShares
$76.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 68% of credit unions under $1B in assets (rank 545 of 1683).
- Widest gap: net interest margin trails 71% of credit unions under $1B in assets (rank 1203 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.52%
Rank 1,102 of 1,683
Net Interest Margin
3.40%
Rank 1,203 of 1,683
Efficiency Ratio
79.32%
Rank 903 of 1,682
Equity / Assets
15.06%
Rank 545 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.52% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,102 / 1,683 | | |
| Return on Equity | 3.49% | 2.67% | 5.89% | 8.74% | Beats 31% | 1,153 / 1,681 | | |
| Net Interest Margin | 3.40% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,203 / 1,683 | | |
| Efficiency Ratio | 79.32% | 68.91% | 78.20% | 86.93% | Beats 46% | 903 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | 0.26% | 0.65% | 1.29% | Beats 38% | 1,051 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.06% | 10.44% | 12.89% | 16.53% | Beats 68% | 545 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.06% | 10.44% | 12.89% | 16.53% | Beats 68% | 545 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 69.51% | 52.61% | 69.38% | 83.50% | 50th pctl | 837 / 1,683 | | |
| Loans / Assets | 58.37% | 44.71% | 59.18% | 70.72% | 48th pctl | 870 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |