State Employees'

RALEIGH, NC · 2 · Charter #66310 · www.ncsecu.org
Large (>$10B)Reporting period: Q4 2025Peer group: 21 CUs

Performance vs peers

Percentile rank within the Large (>$10B) peer group (21 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$58.1B
90th percentile
Members
2,959,762
90th percentile
Total loans
$37.6B
90th percentile
Total shares
$51.8B
90th percentile

Profitability

Return on assets
1.07%
43th percentile
Net interest margin
2.66%
19th percentile
Efficiency ratio
41.27%
52th percentile
Non-interest income ratio
10.82%
19th percentile

Capital & Risk

Net worth ratio
10.10%
52th percentile
Delinquency rate
2.63%
5th percentile
Net charge-off rate
0.67%
67th percentile
Loan-to-share
72.64%
10th percentile

Growth

Member growth YoY
3.99%
48th percentile
Asset growth YoY
9.69%
71th percentile
Loan growth YoY
6.34%
48th percentile
Share growth YoY
9.26%
62th percentile

Operations

Members / branch
10,763
20th percentile
Assets / member
$19,636
62th percentile
Field of membership penetration
100.00%
95th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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