Carolina

CHERRYVILLE, NC · 1 · Charter #19788 · www.carolinafcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$83.8M
34th percentile
Members
7,386
48th percentile
Total loans
$60.4M
51th percentile
Total shares
$74.0M
36th percentile

Profitability

Return on assets
1.28%
66th percentile
Net interest margin
4.05%
72th percentile
Efficiency ratio
57.39%
65th percentile
Non-interest income ratio
19.90%
64th percentile

Capital & Risk

Net worth ratio
10.40%
28th percentile
Delinquency rate
0.74%
49th percentile
Net charge-off rate
0.42%
41th percentile
Loan-to-share
81.64%
74th percentile

Growth

Member growth YoY
-1.52%
39th percentile
Asset growth YoY
6.75%
75th percentile
Loan growth YoY
14.72%
94th percentile
Share growth YoY
6.33%
73th percentile

Operations

Members / branch
7,386
95th percentile
Assets / member
$11,344
23th percentile
Field of membership penetration
47.82%
89th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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