Carolina Cooperative
Charlotte, NC · Charter 24801 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$46.3MAssets
$31.5MLoans
$39.4MShares
$6.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 62% of credit unions under $1B in assets (rank 637 of 1683).
- Widest gap: nonperforming loans / loans trails 83% of credit unions under $1B in assets (rank 1397 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.26%
Rank 1,343 of 1,683
Net Interest Margin
3.75%
Rank 900 of 1,683
Efficiency Ratio
89.65%
Rank 1,370 of 1,682
Equity / Assets
14.22%
Rank 637 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.26% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,343 / 1,683 | | |
| Return on Equity | 1.85% | 2.67% | 5.89% | 8.74% | Beats 19% | 1,357 / 1,681 | | |
| Net Interest Margin | 3.75% | 3.31% | 3.82% | 4.32% | Beats 47% | 900 / 1,683 | | |
| Efficiency Ratio | 89.65% | 68.91% | 78.20% | 86.93% | Beats 19% | 1,370 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.73% | 0.26% | 0.65% | 1.29% | Beats 17% | 1,397 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.22% | 10.44% | 12.89% | 16.53% | Beats 62% | 637 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.22% | 10.44% | 12.89% | 16.53% | Beats 62% | 637 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.02% | 52.61% | 69.38% | 83.50% | 70th pctl | 512 / 1,683 | | |
| Loans / Assets | 68.08% | 44.71% | 59.18% | 70.72% | 69th pctl | 518 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |