Duke University Federal Credit Union
Total assets
$204.8M
▲ +3.0% YoY
Shares & deposits
$182.3M
▲ +2.5% YoY
Loans
$97.3M
▼ -11.8% YoY
Members
15,561
▼ -0.5% YoY
ROA (annualized)
0.92%
peers 0.69%
ROE (annualized)
8.94%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +3.9% | -1.0 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | -11.8% | +2.9% | -14.7 pts |
| ROA | 0.92% | 0.69% | +0.2 pts |
| ROE | 8.9% | 5.9% | +3.0 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
Profile
- Established
- 1968
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 2200 West Main Street Suite L100, Durham, NC, 27705
- NCUA charter #
- 18616
- RSSD ID
- 959283
- 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 | $204.8M | $182.3M | $97.3M | $21.1M | $472K | 0.92% | 3.63% | 1.11% | 15,561 |
| Q4 2025 | $202.3M | $179.9M | $97.4M | $20.6M | $1.4M | 0.71% | 3.80% | 1.09% | 15,547 |
| Q3 2025 | $201.1M | $179.2M | $99.8M | $20.4M | $1.2M | 0.81% | 3.79% | 1.09% | 15,604 |
| Q2 2025 | $199.7M | $178.4M | $101.7M | $20.1M | $895K | 0.90% | 3.76% | 0.72% | 15,619 |
| Q1 2025 | $198.9M | $177.9M | $110.2M | $19.7M | $539K | 1.08% | 3.72% | 0.84% | 15,647 |
| Q4 2024 | $194.3M | $174.1M | $111.5M | $19.2M | $1.1M | 0.59% | 3.50% | 0.84% | 15,658 |
| Q3 2024 | $194.0M | $173.9M | $106.6M | $19.0M | $944K | 0.65% | 3.46% | 0.71% | 15,662 |
| Q2 2024 | $194.0M | $175.3M | $101.1M | $18.7M | $665K | 0.69% | 3.38% | 1.14% | 15,626 |
Loan mix (Q1 2026): real estate $51.8M · commercial $8.5M · consumer $26.0M · securities $48.9M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.69% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 5.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.62% | 51th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 78.7% | 31th | |
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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