Texas Gulf Carolina Emp

Aurora, NC · 2 · Charter #66320
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
$1.2M
9th percentile
Members
391
14th percentile
Total loans
$900.3K
14th percentile
Total shares
$693.1K
7th percentile

Profitability

Return on assets
-14.97%
0th percentile
Net interest margin
11.97%
100th percentile
Efficiency ratio
139.58%
2th percentile
Non-interest income ratio
0.06%
6th percentile

Capital & Risk

Net worth ratio
35.62%
95th percentile
Delinquency rate
3.17%
14th percentile
Net charge-off rate
10.77%
0th percentile
Loan-to-share
129.89%
99th percentile

Growth

Member growth YoY
2.89%
88th percentile
Asset growth YoY
-17.45%
1th percentile
Loan growth YoY
-18.85%
7th percentile
Share growth YoY
-31.58%
0th percentile

Operations

Members / branch
130
4th percentile
Assets / member
$3,186
8th percentile
Field of membership penetration
78.20%
90th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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