Carolina Cooperative

CHARLOTTE, NC · 1 · Charter #24801 · www.carolinacu.com
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
$48.0M
98th percentile
Members
8,691
100th percentile
Total loans
$34.1M
99th percentile
Total shares
$41.1M
98th percentile

Profitability

Return on assets
0.24%
24th percentile
Net interest margin
3.39%
30th percentile
Efficiency ratio
78.39%
27th percentile
Non-interest income ratio
32.90%
95th percentile

Capital & Risk

Net worth ratio
13.59%
41th percentile
Delinquency rate
1.04%
40th percentile
Net charge-off rate
0.71%
24th percentile
Loan-to-share
82.90%
80th percentile

Growth

Member growth YoY
-13.11%
3th percentile
Asset growth YoY
-6.27%
12th percentile
Loan growth YoY
0.68%
65th percentile
Share growth YoY
-7.11%
14th percentile

Operations

Members / branch
2,897
91th percentile
Assets / member
$5,522
20th percentile
Field of membership penetration
8.69%
22th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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