Guco

Greenville, NC · 2 · Charter #62985 · www.gucocreditunion.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
$9.8M
41th percentile
Members
1,391
49th percentile
Total loans
$6.4M
51th percentile
Total shares
$7.9M
41th percentile

Profitability

Return on assets
0.37%
30th percentile
Net interest margin
4.65%
74th percentile
Efficiency ratio
79.38%
25th percentile
Non-interest income ratio
3.08%
24th percentile

Capital & Risk

Net worth ratio
18.45%
68th percentile
Delinquency rate
0.01%
84th percentile
Net charge-off rate
0.01%
72th percentile
Loan-to-share
80.70%
77th percentile

Growth

Member growth YoY
-4.00%
24th percentile
Asset growth YoY
0.11%
42th percentile
Loan growth YoY
0.77%
66th percentile
Share growth YoY
-1.38%
38th percentile

Operations

Members / branch
464
21th percentile
Assets / member
$7,072
31th percentile
Field of membership penetration
50.58%
67th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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