TCP
Rural Hall, NC · Charter 65384 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$15.9MAssets
$10.0MLoans
$13.1MShares
$2.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 93% of credit unions under $1B in assets (rank 122 of 1683).
- Widest gap: return on equity trails 81% of credit unions under $1B in assets (rank 1359 of 1681).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.31%
Rank 1,300 of 1,683
Net Interest Margin
5.12%
Rank 122 of 1,683
Efficiency Ratio
88.19%
Rank 1,313 of 1,682
Equity / Assets
17.05%
Rank 387 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.31% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,300 / 1,683 | | |
| Return on Equity | 1.84% | 2.67% | 5.89% | 8.74% | Beats 19% | 1,359 / 1,681 | | |
| Net Interest Margin | 5.12% | 3.31% | 3.82% | 4.32% | Beats 93% | 122 / 1,683 | | |
| Efficiency Ratio | 88.19% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,313 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.23% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,241 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.05% | 10.44% | 12.89% | 16.53% | Beats 77% | 387 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.05% | 10.44% | 12.89% | 16.53% | Beats 77% | 387 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.90% | 52.61% | 69.38% | 83.50% | 62nd pctl | 647 / 1,683 | | |
| Loans / Assets | 62.54% | 44.71% | 59.18% | 70.72% | 58th pctl | 714 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |