Members
Winston Salem, NC · Charter 60002 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 17 branches
Q2 2026
$477.1MAssets
$187.9MLoans
$404.2MShares
$70.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 79% of credit unions under $1B in assets (rank 357 of 1682).
- Widest gap: nonperforming loans / loans trails 58% of credit unions under $1B in assets (rank 972 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.06%
Rank 537 of 1,683
Net Interest Margin
4.20%
Rank 508 of 1,683
Efficiency Ratio
66.95%
Rank 357 of 1,682
Equity / Assets
14.83%
Rank 567 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.35% | 0.74% | 1.18% | Beats 68% | 537 / 1,683 | | |
| Return on Equity | 7.13% | 2.67% | 5.89% | 8.74% | Beats 62% | 636 / 1,681 | | |
| Net Interest Margin | 4.20% | 3.31% | 3.82% | 4.32% | Beats 70% | 508 / 1,683 | | |
| Efficiency Ratio | 66.95% | 68.91% | 78.20% | 86.93% | Beats 79% | 357 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.26% | 0.65% | 1.29% | Beats 42% | 972 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.83% | 10.44% | 12.89% | 16.53% | Beats 66% | 567 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.83% | 10.44% | 12.89% | 16.53% | Beats 66% | 567 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 46.48% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,381 / 1,683 | | |
| Loans / Assets | 39.38% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,380 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |