North Carolina Press Association

RALEIGH, NC · 1 · Charter #24140 · www.ncpafcu.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
$11.1M
44th percentile
Members
1,301
46th percentile
Total loans
$2.5M
27th percentile
Total shares
$8.9M
44th percentile

Profitability

Return on assets
2.35%
95th percentile
Net interest margin
3.34%
28th percentile
Efficiency ratio
34.55%
95th percentile
Non-interest income ratio
16.13%
73th percentile

Capital & Risk

Net worth ratio
19.41%
72th percentile
Delinquency rate
3.79%
11th percentile
Net charge-off rate
1.51%
10th percentile
Loan-to-share
28.01%
10th percentile

Growth

Member growth YoY
-0.54%
60th percentile
Asset growth YoY
14.70%
97th percentile
Loan growth YoY
-2.94%
50th percentile
Share growth YoY
15.33%
96th percentile

Operations

Members / branch
no peer data
Assets / member
$8,498
44th percentile
Field of membership penetration
52.04%
69th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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