Greater Kinston
Kinston, NC · Charter 64034 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$14.3MAssets
$9.6MLoans
$12.4MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 45% of credit unions under $1B in assets (rank 928 of 1683).
- Widest gap: return on equity trails 94% of credit unions under $1B in assets (rank 1583 of 1681).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.49%
Rank 1,575 of 1,683
Net Interest Margin
3.71%
Rank 928 of 1,683
Efficiency Ratio
88.46%
Rank 1,324 of 1,682
Equity / Assets
12.39%
Rank 934 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.49% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,575 / 1,683 | | |
| Return on Equity | -3.94% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,583 / 1,681 | | |
| Net Interest Margin | 3.71% | 3.31% | 3.82% | 4.32% | Beats 45% | 928 / 1,683 | | |
| Efficiency Ratio | 88.46% | 68.91% | 78.20% | 86.93% | Beats 21% | 1,324 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.27% | 0.26% | 0.65% | 1.29% | Beats 25% | 1,259 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.39% | 10.44% | 12.89% | 16.53% | Beats 45% | 934 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.39% | 10.44% | 12.89% | 16.53% | Beats 45% | 934 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.89% | 52.61% | 69.38% | 83.50% | 63rd pctl | 616 / 1,683 | | |
| Loans / Assets | 66.78% | 44.71% | 59.18% | 70.72% | 66th pctl | 571 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |