Telco
Tarboro, NC · Charter 66319 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$51.3MAssets
$40.7MLoans
$44.7MShares
$6.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets (rank 127 of 1683).
- Widest gap: nonperforming loans / loans trails 98% of credit unions under $1B in assets (rank 1646 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.78%
Rank 1,595 of 1,683
Net Interest Margin
5.10%
Rank 127 of 1,683
Efficiency Ratio
87.67%
Rank 1,293 of 1,682
Equity / Assets
12.54%
Rank 903 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.78% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,595 / 1,683 | |
| Return on Equity | -6.18% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,602 / 1,681 | |
| Net Interest Margin | 5.10% | 3.31% | 3.82% | 4.32% | Beats 92% | 127 / 1,683 | |
| Efficiency Ratio | 87.67% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,293 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.01% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,646 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.54% | 10.44% | 12.89% | 16.53% | Beats 46% | 903 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.54% | 10.44% | 12.89% | 16.53% | Beats 46% | 903 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 90.94% | 52.61% | 69.38% | 83.50% | 88th pctl | 206 / 1,683 | |
| Loans / Assets | 79.25% | 44.71% | 59.18% | 70.72% | 91st pctl | 157 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |