Civic Federal Credit Union
Total assets
$3.19B
▼ -20.0% YoY
Shares & deposits
$2.69B
▼ -24.4% YoY
Loans
$2.84B
▼ -17.7% YoY
Members
349,847
▼ -13.6% YoY
ROA (annualized)
-2.73%
peers 0.71%
ROE (annualized)
-40.71%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -20.0% | +5.1% | -25.1 pts |
| Share growth (YoY) | -24.4% | +4.9% | -29.2 pts |
| Loan growth (YoY) | -17.7% | +5.4% | -23.1 pts |
| ROA | -2.73% | 0.71% | -3.4 pts |
| ROE | -40.7% | 6.3% | -47.0 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
Profile
- Established
- 1983
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 3600 Wake Forest Rd, Raleigh, NC, 27609
- NCUA charter #
- 24003
- RSSD ID
- 815398
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.19B | $2.69B | $2.84B | $213.7M | $-21.8M | -2.73% | 2.47% | 5.04% | 349,847 |
| Q4 2025 | $3.33B | $2.76B | $2.95B | $235.5M | $-123.7M | -3.72% | 3.07% | 7.62% | 355,581 |
| Q3 2025 | $3.51B | $2.84B | $3.09B | $283.3M | $-75.4M | -2.86% | 3.12% | 6.83% | 366,134 |
| Q2 2025 | $3.67B | $3.00B | $3.23B | $333.9M | $-24.8M | -1.35% | 3.37% | 4.93% | 380,898 |
| Q1 2025 | $3.99B | $3.56B | $3.45B | $356.6M | $-10.4M | -1.04% | 3.43% | 2.03% | 405,040 |
| Q4 2024 | $4.03B | $3.62B | $3.54B | $367.0M | $-1.6M | -0.04% | 3.27% | 3.91% | 407,926 |
| Q3 2024 | $4.12B | $3.61B | $3.60B | $372.5M | $3.6M | 0.12% | 3.20% | 3.30% | 413,162 |
| Q2 2024 | $3.97B | $3.52B | $3.53B | $368.2M | $9.2M | 0.47% | 3.28% | 2.89% | 407,174 |
Loan mix (Q1 2026): real estate $1.91B · commercial $209.6M · consumer $718.7M · securities $106.4M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.73% | 0.71% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -40.7% | 6.3% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.47% | 3.32% | 9th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 127.3% | 73.0% | 100th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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