Civic
Raleigh, NC · Charter 24898 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 1 branch
Q2 2024
$119.3MAssets
$108.8MLoans
$109.4MShares
$9.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 76% of credit unions under $1B in assets (rank 413 of 1748).
- Widest gap: equity / assets trails 95% of credit unions under $1B in assets (rank 1665 of 1752).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.20%
Rank 1,549 of 1,753
Net Interest Margin
2.63%
Rank 1,498 of 1,752
Efficiency Ratio
68.96%
Rank 413 of 1,748
Equity / Assets
7.87%
Rank 1,665 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.20% | 0.23% | 0.68% | 1.19% | Beats 12% | 1,549 / 1,753 | n/a | |
| Return on Equity | -2.60% | 1.80% | 5.29% | 9.05% | Beats 10% | 1,579 / 1,750 | n/a | |
| Net Interest Margin | 2.63% | 2.98% | 3.54% | 4.20% | Beats 14% | 1,498 / 1,752 | n/a | |
| Efficiency Ratio | 68.96% | 69.58% | 78.86% | 88.33% | Beats 76% | 413 / 1,748 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.22% | 0.59% | 1.20% | Beats 40% | 1,051 / 1,748 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.87% | 9.91% | 12.21% | 15.57% | Beats 5% | 1,666 / 1,753 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.87% | 9.91% | 12.21% | 15.57% | Beats 5% | 1,665 / 1,752 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 99.46% | 55.88% | 73.01% | 86.61% | 94th pctl | 105 / 1,750 | n/a | |
| Loans / Assets | 91.19% | 48.21% | 62.51% | 73.23% | 99th pctl | 10 / 1,752 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |