First Carolina People's

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

$33.5M

82^th percentile

Members

2,232

72^th percentile

Total loans

$28.2M

97^th percentile

Total shares

$28.2M

81^th percentile

Profitability

Return on assets

0.22%

24^th percentile

Net interest margin

4.34%

64^th percentile

Efficiency ratio

72.07%

39^th percentile

Non-interest income ratio

10.34%

54^th percentile

Capital & Risk

Net worth ratio

9.19%

11^th percentile

Delinquency rate

4.87%

7^th percentile

Net charge-off rate

0.58%

29^th percentile

Loan-to-share

100.08%

94^th percentile

Growth

Member growth YoY

-2.58%

37^th percentile

Asset growth YoY

-9.28%

6^th percentile

Loan growth YoY

0.83%

66^th percentile

Share growth YoY

-15.87%

3^th percentile

Operations

Members / branch

2,232

82^th percentile

Assets / member

$15,016

85^th percentile

Field of membership penetration

0.15%

1^th percentile

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