Civic

RALEIGH, NC · 1 · Charter #24003 · www.civicfcu.org/
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.3B
71th percentile
Members
355,581
91th percentile
Total loans
$3.0B
76th percentile
Total shares
$2.6B
68th percentile

Profitability

Return on assets
-2.09%
0th percentile
Net interest margin
3.07%
39th percentile
Efficiency ratio
84.01%
0th percentile
Non-interest income ratio
20.03%
61th percentile

Capital & Risk

Net worth ratio
7.08%
0th percentile
Delinquency rate
7.62%
0th percentile
Net charge-off rate
2.38%
1th percentile
Loan-to-share
115.62%
97th percentile

Growth

Member growth YoY
-12.83%
1th percentile
Asset growth YoY
-17.54%
0th percentile
Loan growth YoY
-16.59%
0th percentile
Share growth YoY
-29.46%
0th percentile

Operations

Members / branch
32,326
98th percentile
Assets / member
$9,351
1th percentile
Field of membership penetration
71.12%
98th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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