Bragg Mutual
Fayetteville, NC · Charter 7955 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$131.1MAssets
$89.6MLoans
$118.9MShares
$10.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 50% of credit unions under $1B in assets (rank 841 of 1683).
- Widest gap: equity / assets trails 95% of credit unions under $1B in assets (rank 1604 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.24%
Rank 1,356 of 1,683
Net Interest Margin
3.82%
Rank 841 of 1,683
Efficiency Ratio
84.02%
Rank 1,143 of 1,682
Equity / Assets
8.26%
Rank 1,604 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.24% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,356 / 1,683 | |
| Return on Equity | 2.90% | 2.67% | 5.89% | 8.74% | Beats 27% | 1,228 / 1,681 | |
| Net Interest Margin | 3.82% | 3.31% | 3.82% | 4.32% | Beats 50% | 841 / 1,683 | |
| Efficiency Ratio | 84.02% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,143 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.26% | 0.65% | 1.29% | Beats 41% | 995 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.26% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,604 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.26% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,604 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 75.34% | 52.61% | 69.38% | 83.50% | 60th pctl | 667 / 1,683 | |
| Loans / Assets | 68.32% | 44.71% | 59.18% | 70.72% | 70th pctl | 507 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |