Emergency Responders
Winston Salem, NC · Charter 66354 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$30.2MAssets
$24.1MLoans
$27.5MShares
$2.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 78% of credit unions under $1B in assets (rank 364 of 1681).
- Widest gap: equity / assets trails 96% of credit unions under $1B in assets (rank 1612 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.75%
Rank 829 of 1,683
Net Interest Margin
4.43%
Rank 365 of 1,683
Efficiency Ratio
95.61%
Rank 1,518 of 1,682
Equity / Assets
8.12%
Rank 1,612 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.35% | 0.74% | 1.18% | Beats 51% | 829 / 1,683 | | |
| Return on Equity | 9.22% | 2.67% | 5.89% | 8.74% | Beats 78% | 364 / 1,681 | | |
| Net Interest Margin | 4.43% | 3.31% | 3.82% | 4.32% | Beats 78% | 365 / 1,683 | | |
| Efficiency Ratio | 95.61% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,518 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.26% | 0.65% | 1.29% | Beats 41% | 985 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.12% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,612 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.12% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,612 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.36% | 52.61% | 69.38% | 83.50% | 82nd pctl | 307 / 1,683 | | |
| Loans / Assets | 79.77% | 44.71% | 59.18% | 70.72% | 92nd pctl | 142 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |