NORTH CAROLINA COMMUNITY
Charter #12004 | NC
<100M
(2596 CUs)
Micro
($0-$500M)
32 <100M in NC
NORTH CAROLINA COMMUNITY has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.54% above tier average
- + Net Interest Margin 0.59% above tier average
- + Total Deposits: Top 0.2% in tier
- + Total Assets: Top 1.0% in tier
- + Total Loans: Top 3.6% in tier
- + Loan Growth Rate: Top 3.7% in tier
- + Average Member Relationship (AMR): Top 8.7% in tier
- + Member Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 2.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,806
+3.8% YoY+0.1% QoQ
|
+3.2K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
Top 10.3% in tier |
| Assets |
$96.8M
+5.4% YoY-0.2% QoQ
|
+$66.9M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
Top 1.0% in tier |
| Loans |
$54.6M
+18.9% YoY+3.0% QoQ
|
+$38.8M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
Top 3.6% in tier |
| Deposits |
$88.2M
+7.9% YoY-0.7% QoQ
|
+$62.7M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Top 0.2% in tier |
| ROA |
1.2%
-6.0% YoY+9.6% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
71st in tier |
| NIM |
4.5%
+6.5% YoY+2.0% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
74th in tier |
| Efficiency Ratio |
73.2%
+0.6% YoY-0.9% QoQ
|
-8.1% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
38th in tier |
| Delinquency Rate |
0.1%
-82.6% YoY-49.0% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 18.6% in tier |
| Loan To Share |
61.9%
+10.1% YoY+3.7% QoQ
|
+0.7% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
51st in tier |
| AMR |
$24,584
+7.7% YoY+0.6% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
Top 8.7% in tier |
| CD Concentration |
12.8%
+23.1% YoY+5.1% QoQ
|
-11.6% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
46.2%
+13.1% YoY+0.9% QoQ
|
+32.2% |
14.0%
-5.8% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (13 metrics)
5
Total Deposits
balance_sheet
Value:
$88.16M
Peer Avg: $25.45M
#5 of 2596
Top 0.2% in <100M tier
27
Total Assets
balance_sheet
Value:
$96.79M
Peer Avg: $29.86M
#27 of 2596
Top 1.0% in <100M tier
94
Total Loans
balance_sheet
Value:
$54.57M
Peer Avg: $15.77M
#94 of 2596
Top 3.6% in <100M tier
98
Loan Growth Rate
growth
Value:
18.86%
Peer Avg: 59.01%
#98 of 2596
Top 3.7% in <100M tier
226
Average Member Relationship (AMR)
engagement
Value:
$24,584
Peer Avg: $14,627
#226 of 2596
Top 8.7% in <100M tier
235
Member Growth Rate
growth
Value:
3.83%
Peer Avg: 14.92%
#235 of 2596
Top 9.0% in <100M tier
267
Total Members
engagement
Value:
5,806
Peer Avg: 2,626
#267 of 2596
Top 10.2% in <100M tier
270
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,399
Peer Avg: $5,488
#270 of 2596
Top 10.4% in <100M tier
351
Deposit Growth Rate
growth
Value:
7.94%
Peer Avg: 16.80%
#351 of 2596
Top 13.5% in <100M tier
382
AMR Growth Rate
growth
Value:
7.74%
Peer Avg: 4.67%
#382 of 2596
Top 14.7% in <100M tier
Top Weaknesses (3 metrics)
2545
Indirect Auto Concentration (%)
balance_sheet
Value:
46.16%
Peer Avg: 2.84%
#2545 of 2596
Bottom 2.0% in <100M tier
2123
Members Per Employee (MPE)
engagement
Value:
215.037
Peer Avg: 365.701
#2123 of 2596
Bottom 18.3% in <100M tier
2037
First Mortgage Concentration (%)
balance_sheet
Value:
29.02%
Peer Avg: 14.49%
#2037 of 2596
Bottom 21.6% in <100M tier