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Morrisville, NC · Charter 24807 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$92.0MAssets
$43.9MLoans
$79.3MShares
$12.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 57% of credit unions under $1B in assets (rank 722 of 1683).
- Widest gap: efficiency ratio trails 87% of credit unions under $1B in assets (rank 1471 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.21%
Rank 1,382 of 1,683
Net Interest Margin
3.94%
Rank 722 of 1,683
Efficiency Ratio
93.40%
Rank 1,471 of 1,682
Equity / Assets
13.03%
Rank 816 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.21% | 0.35% | 0.74% | 1.18% | Beats 18% | 1,382 / 1,683 | |
| Return on Equity | 1.60% | 2.67% | 5.89% | 8.74% | Beats 18% | 1,377 / 1,681 | |
| Net Interest Margin | 3.94% | 3.31% | 3.82% | 4.32% | Beats 57% | 722 / 1,683 | |
| Efficiency Ratio | 93.40% | 68.91% | 78.20% | 86.93% | Beats 13% | 1,471 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.11% | 0.26% | 0.65% | 1.29% | Beats 30% | 1,185 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.03% | 10.44% | 12.89% | 16.53% | Beats 52% | 816 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.03% | 10.44% | 12.89% | 16.53% | Beats 52% | 816 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 55.41% | 52.61% | 69.38% | 83.50% | 28th pctl | 1,204 / 1,683 | |
| Loans / Assets | 47.74% | 44.71% | 59.18% | 70.72% | 30th pctl | 1,177 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |