Charlotte Fire Department

Charlotte, NC · 2 · Charter #63566 · www.cfdcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$53.7M
4th percentile
Members
3,007
4th percentile
Total loans
$20.3M
4th percentile
Total shares
$45.6M
4th percentile

Profitability

Return on assets
0.91%
42th percentile
Net interest margin
3.60%
47th percentile
Efficiency ratio
61.57%
54th percentile
Non-interest income ratio
9.82%
15th percentile

Capital & Risk

Net worth ratio
14.14%
71th percentile
Delinquency rate
1.30%
23th percentile
Net charge-off rate
0.00%
98th percentile
Loan-to-share
44.49%
13th percentile

Growth

Member growth YoY
-0.36%
53th percentile
Asset growth YoY
1.84%
33th percentile
Loan growth YoY
-1.16%
35th percentile
Share growth YoY
0.32%
26th percentile

Operations

Members / branch
1,504
9th percentile
Assets / member
$17,848
75th percentile
Field of membership penetration
54.67%
92th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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