Winston-Salem
Winston Salem, NC · Charter 24814 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
$60.5MAssets
$18.7MLoans
$53.1MShares
$7.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 79% of credit unions under $1B in assets (rank 365 of 1723).
- Widest gap: nonperforming loans / loans trails 90% of credit unions under $1B in assets (rank 1547 of 1721).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.15%
Rank 1,400 of 1,724
Net Interest Margin
4.38%
Rank 365 of 1,723
Efficiency Ratio
91.89%
Rank 1,446 of 1,721
Equity / Assets
12.70%
Rank 815 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.15% | 0.25% | 0.67% | 1.13% | Beats 19% | 1,400 / 1,724 | |
| Return on Equity | 1.15% | 1.95% | 5.34% | 8.54% | Beats 19% | 1,398 / 1,723 | |
| Net Interest Margin | 4.38% | 3.03% | 3.61% | 4.27% | Beats 79% | 365 / 1,723 | |
| Efficiency Ratio | 91.89% | 69.84% | 78.36% | 87.50% | Beats 16% | 1,446 / 1,721 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.60% | 0.28% | 0.70% | 1.38% | Beats 10% | 1,547 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.70% | 10.16% | 12.41% | 16.03% | Beats 53% | 816 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.70% | 10.15% | 12.41% | 16.03% | Beats 53% | 815 / 1,723 | |
| Liquidity & Funding |
| Loans / Deposits | 35.26% | 55.95% | 72.66% | 85.34% | 6th pctl | 1,612 / 1,722 | |
| Loans / Assets | 30.98% | 47.91% | 62.00% | 72.82% | 7th pctl | 1,600 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |