State Employees'
Raleigh, NC · Charter 66310 · Peer group: credit unions any (n=25)
NCUA · 286 branches
Q2 2026
$60.0BAssets
$38.7BLoans
$53.5BShares
$6.1BNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 44% of credit unions any (rank 15 of 25).
- Widest gap: nonperforming loans / loans trails 96% of credit unions any (rank 25 of 25).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.72%
Rank 16 of 25
Net Interest Margin
2.86%
Rank 19 of 25
Efficiency Ratio
63.47%
Rank 15 of 25
Equity / Assets
10.12%
Rank 14 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.72% | 0.54% | 0.87% | 1.36% | Beats 36% | 16 / 25 | |
| Return on Equity | 7.13% | 5.49% | 9.20% | 10.99% | Beats 36% | 16 / 25 | |
| Net Interest Margin | 2.86% | 2.86% | 3.13% | 3.50% | Beats 24% | 19 / 25 | |
| Efficiency Ratio | 63.47% | 54.62% | 61.07% | 70.28% | Beats 44% | 15 / 25 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.38% | 0.64% | 0.92% | 1.30% | Beats 4% | 25 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.12% | 9.55% | 10.72% | 11.84% | Beats 44% | 14 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.12% | 9.55% | 10.72% | 11.84% | Beats 44% | 14 / 25 | |
| Liquidity & Funding |
| Loans / Deposits | 72.30% | 81.23% | 88.75% | 93.33% | 12th pctl | 22 / 25 | |
| Loans / Assets | 64.48% | 68.82% | 78.26% | 79.51% | 16th pctl | 21 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |