Guco
Greenville, NC · Charter 62985 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$10.2MAssets
$7.0MLoans
$8.4MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 84% of credit unions under $1B in assets (rank 267 of 1682).
- Widest gap: efficiency ratio trails 89% of credit unions under $1B in assets (rank 1500 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.23%
Rank 1,362 of 1,683
Net Interest Margin
4.47%
Rank 342 of 1,683
Efficiency Ratio
94.51%
Rank 1,500 of 1,682
Equity / Assets
17.81%
Rank 339 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.23% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,362 / 1,683 | | |
| Return on Equity | 1.32% | 2.67% | 5.89% | 8.74% | Beats 17% | 1,401 / 1,681 | | |
| Net Interest Margin | 4.47% | 3.31% | 3.82% | 4.32% | Beats 80% | 342 / 1,683 | | |
| Efficiency Ratio | 94.51% | 68.91% | 78.20% | 86.93% | Beats 11% | 1,500 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.26% | 0.65% | 1.29% | Beats 84% | 267 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.81% | 10.44% | 12.89% | 16.53% | Beats 80% | 339 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.81% | 10.44% | 12.89% | 16.53% | Beats 80% | 339 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.29% | 52.61% | 69.38% | 83.50% | 75th pctl | 428 / 1,683 | | |
| Loans / Assets | 68.36% | 44.71% | 59.18% | 70.72% | 70th pctl | 503 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |