Charlotte Fire Department
Charlotte, NC · Charter 63566 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$56.0MAssets
$18.8MLoans
$47.8MShares
$7.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 60% of credit unions under $1B in assets (rank 673 of 1683).
- Widest gap: nonperforming loans / loans trails 81% of credit unions under $1B in assets (rank 1360 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.87%
Rank 719 of 1,683
Net Interest Margin
3.62%
Rank 1,020 of 1,683
Efficiency Ratio
78.16%
Rank 839 of 1,682
Equity / Assets
14.00%
Rank 673 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.35% | 0.74% | 1.18% | Beats 57% | 719 / 1,683 | |
| Return on Equity | 6.20% | 2.67% | 5.89% | 8.74% | Beats 54% | 781 / 1,681 | |
| Net Interest Margin | 3.62% | 3.31% | 3.82% | 4.32% | Beats 39% | 1,020 / 1,683 | |
| Efficiency Ratio | 78.16% | 68.91% | 78.20% | 86.93% | Beats 50% | 839 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.59% | 0.26% | 0.65% | 1.29% | Beats 19% | 1,360 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.00% | 10.44% | 12.89% | 16.53% | Beats 60% | 673 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.00% | 10.44% | 12.89% | 16.53% | Beats 60% | 673 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 39.40% | 52.61% | 69.38% | 83.50% | 11th pctl | 1,503 / 1,683 | |
| Loans / Assets | 33.63% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,498 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |