Bragg Mutual

Fayetteville, NC · 1 · Charter #7955 · www.braggmutual.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
$127.4M
62th percentile
Members
9,600
67th percentile
Total loans
$84.9M
67th percentile
Total shares
$115.2M
65th percentile

Profitability

Return on assets
0.58%
22th percentile
Net interest margin
3.56%
44th percentile
Efficiency ratio
67.94%
33th percentile
Non-interest income ratio
24.36%
81th percentile

Capital & Risk

Net worth ratio
8.38%
6th percentile
Delinquency rate
1.10%
29th percentile
Net charge-off rate
0.92%
13th percentile
Loan-to-share
73.75%
61th percentile

Growth

Member growth YoY
-0.05%
57th percentile
Asset growth YoY
4.42%
55th percentile
Loan growth YoY
23.36%
98th percentile
Share growth YoY
4.61%
61th percentile

Operations

Members / branch
1,920
19th percentile
Assets / member
$13,274
40th percentile
Field of membership penetration
0.54%
6th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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