First Carolina People's
Goldsboro, NC · Charter 62673 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$33.3MAssets
$28.2MLoans
$30.3MShares
$2.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 72% of credit unions under $1B in assets (rank 465 of 1683).
- Widest gap: nonperforming loans / loans trails 98% of credit unions under $1B in assets (rank 1641 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-1.29%
Rank 1,628 of 1,683
Net Interest Margin
4.25%
Rank 465 of 1,683
Efficiency Ratio
100.95%
Rank 1,567 of 1,682
Equity / Assets
8.61%
Rank 1,557 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.29% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,628 / 1,683 | | |
| Return on Equity | -15.00% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,643 / 1,681 | | |
| Net Interest Margin | 4.25% | 3.31% | 3.82% | 4.32% | Beats 72% | 465 / 1,683 | | |
| Efficiency Ratio | 100.95% | 68.91% | 78.20% | 86.93% | Beats 7% | 1,567 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.79% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,641 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.61% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,557 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.61% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,557 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.20% | 52.61% | 69.38% | 83.50% | 91st pctl | 152 / 1,683 | | |
| Loans / Assets | 84.79% | 44.71% | 59.18% | 70.72% | 97th pctl | 46 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |