Texas Gulf Carolina Emp
Aurora, NC · Charter 66320 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$1.1MAssets
$769KLoans
$725KShares
$414KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 100% of credit unions under $1B in assets (rank 4 of 1683).
- Widest gap: nonperforming loans / loans trails 99% of credit unions under $1B in assets (rank 1672 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-5.43%
Rank 1,670 of 1,683
Net Interest Margin
9.47%
Rank 4 of 1,683
Efficiency Ratio
159.26%
Rank 1,663 of 1,682
Equity / Assets
36.28%
Rank 23 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -5.43% | 0.35% | 0.74% | 1.18% | Beats 1% | 1,670 / 1,683 | |
| Return on Equity | -14.98% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,641 / 1,681 | |
| Net Interest Margin | 9.47% | 3.31% | 3.82% | 4.32% | Beats 100% | 4 / 1,683 | |
| Efficiency Ratio | 159.26% | 68.91% | 78.20% | 86.93% | Beats 1% | 1,663 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 9.88% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,672 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 36.28% | 10.44% | 12.89% | 16.53% | Beats 99% | 23 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 36.28% | 10.44% | 12.89% | 16.53% | Beats 99% | 23 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 106.07% | 52.61% | 69.38% | 83.50% | 98th pctl | 29 / 1,683 | |
| Loans / Assets | 67.40% | 44.71% | 59.18% | 70.72% | 68th pctl | 543 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |