Latino Community
Durham, NC · Charter 68430 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
$1.0BAssets
$870.9MLoans
$735.0MShares
$252.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 99% of credit unions $1B-$10B in assets (rank 3 of 435).
- Widest gap: nonperforming loans / loans trails 95% of credit unions $1B-$10B in assets (rank 413 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.78%
Rank 232 of 435
Net Interest Margin
4.67%
Rank 7 of 435
Efficiency Ratio
79.30%
Rank 354 of 435
Equity / Assets
24.23%
Rank 3 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.55% | 0.81% | 1.14% | Beats 47% | 232 / 435 | |
| Return on Equity | 3.21% | 5.12% | 7.41% | 9.70% | Beats 13% | 380 / 435 | |
| Net Interest Margin | 4.67% | 3.01% | 3.39% | 3.75% | Beats 98% | 7 / 435 | |
| Efficiency Ratio | 79.30% | 65.25% | 71.39% | 77.86% | Beats 19% | 354 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.81% | 0.45% | 0.69% | 1.05% | Beats 5% | 413 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 24.23% | 9.81% | 10.84% | 12.63% | Beats 99% | 3 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 24.23% | 9.81% | 10.84% | 12.63% | Beats 99% | 3 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 118.48% | 78.33% | 88.38% | 95.61% | 99th pctl | 3 / 435 | |
| Loans / Assets | 83.58% | 67.69% | 74.58% | 80.80% | 87th pctl | 56 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |