Tcp

RURAL HALL, NC · 2 · Charter #65384 · www.tcpcu.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
$15.5M
54th percentile
Members
2,148
70th percentile
Total loans
$10.0M
66th percentile
Total shares
$12.7M
54th percentile

Profitability

Return on assets
1.32%
73th percentile
Net interest margin
5.22%
88th percentile
Efficiency ratio
60.77%
63th percentile
Non-interest income ratio
10.19%
53th percentile

Capital & Risk

Net worth ratio
17.40%
63th percentile
Delinquency rate
1.48%
32th percentile
Net charge-off rate
1.29%
12th percentile
Loan-to-share
78.87%
75th percentile

Growth

Member growth YoY
5.92%
94th percentile
Asset growth YoY
11.73%
94th percentile
Loan growth YoY
-3.52%
48th percentile
Share growth YoY
14.12%
96th percentile

Operations

Members / branch
1,074
49th percentile
Assets / member
$7,197
32th percentile
Field of membership penetration
33.33%
46th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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