Internal Revenue Employees

GREENSBORO, NC · 1 · Charter #3685 · www.irefcuncsc.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$12.4M
48th percentile
Members
724
27th percentile
Total loans
$2.8M
29th percentile
Total shares
$8.7M
43th percentile

Profitability

Return on assets
0.76%
48th percentile
Net interest margin
2.87%
16th percentile
Efficiency ratio
48.82%
84th percentile
Non-interest income ratio
0.93%
13th percentile

Capital & Risk

Net worth ratio
28.81%
91th percentile
Delinquency rate
0.48%
58th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
31.78%
13th percentile

Growth

Member growth YoY
-3.21%
31th percentile
Asset growth YoY
-5.58%
15th percentile
Loan growth YoY
-19.09%
7th percentile
Share growth YoY
-8.73%
10th percentile

Operations

Members / branch
362
16th percentile
Assets / member
$17,128
92th percentile
Field of membership penetration
80.44%
91th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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