Greater Kinston

KINSTON, NC · 2 · Charter #64034 · www.greaterkcu.org
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
$14.3M
52th percentile
Members
3,829
93th percentile
Total loans
$9.4M
63th percentile
Total shares
$12.4M
53th percentile

Profitability

Return on assets
0.78%
49th percentile
Net interest margin
3.77%
42th percentile
Efficiency ratio
66.12%
51th percentile
Non-interest income ratio
18.51%
80th percentile

Capital & Risk

Net worth ratio
12.68%
35th percentile
Delinquency rate
2.29%
21th percentile
Net charge-off rate
2.22%
6th percentile
Loan-to-share
76.32%
72th percentile

Growth

Member growth YoY
-2.69%
36th percentile
Asset growth YoY
2.50%
59th percentile
Loan growth YoY
-1.38%
57th percentile
Share growth YoY
4.36%
71th percentile

Operations

Members / branch
3,829
97th percentile
Assets / member
$3,730
10th percentile
Field of membership penetration
2.86%
13th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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