Civic
Raleigh, NC · Charter 24003 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 12 branches
Q2 2026
$3.1BAssets
$2.7BLoans
$2.6BShares
$180.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 9% of credit unions $1B-$10B in assets (rank 398 of 435).
- Widest gap: equity / assets trails 100% of credit unions $1B-$10B in assets (rank 434 of 435).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-3.07%
Rank 435 of 435
Net Interest Margin
2.51%
Rank 398 of 435
Efficiency Ratio
120.49%
Rank 435 of 435
Equity / Assets
5.87%
Rank 434 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -3.07% | 0.55% | 0.81% | 1.14% | Beats 0% | 435 / 435 | |
| Return on Equity | -52.34% | 5.12% | 7.41% | 9.70% | Beats 0% | 435 / 435 | |
| Net Interest Margin | 2.51% | 3.01% | 3.39% | 3.75% | Beats 9% | 398 / 435 | |
| Efficiency Ratio | 120.49% | 65.25% | 71.39% | 77.86% | Beats 0% | 435 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.27% | 0.45% | 0.69% | 1.05% | Beats 0% | 434 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 5.87% | 9.81% | 10.84% | 12.63% | Beats 0% | 434 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 5.87% | 9.81% | 10.84% | 12.63% | Beats 0% | 434 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 106.88% | 78.33% | 88.38% | 95.61% | 96th pctl | 16 / 435 | |
| Loans / Assets | 89.06% | 67.69% | 74.58% | 80.80% | 98th pctl | 10 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |