First Carolina People's Credit Union
Total assets
$33.7M
▼ -8.0% YoY
Shares & deposits
$30.6M
▼ -8.2% YoY
Loans
$28.1M
▲ +0.2% YoY
Members
2,163
▼ -4.7% YoY
ROA (annualized)
-2.07%
peers 0.60%
ROE (annualized)
-23.96%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.0% | +1.3% | -9.3 pts |
| Share growth (YoY) | -8.2% | +0.7% | -8.8 pts |
| Loan growth (YoY) | +0.2% | -2.4% | +2.5 pts |
| ROA | -2.07% | 0.60% | -2.7 pts |
| ROE | -24.0% | 4.1% | -28.1 pts |
ROA ranks in the 5th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- Po Box 1637, Goldsboro, NC, 27533
- NCUA charter #
- 62673
- RSSD ID
- 741899
- 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 | $33.7M | $30.6M | $28.1M | $2.9M | $-174K | -2.07% | 4.20% | 6.99% | 2,163 |
| Q4 2025 | $33.5M | $30.2M | $28.2M | $3.1M | $-42K | -0.12% | 4.34% | 4.87% | 2,232 |
| Q3 2025 | $33.7M | $30.5M | $28.2M | $3.0M | $-160K | -0.63% | 4.14% | 6.61% | 2,253 |
| Q2 2025 | $33.5M | $30.2M | $28.2M | $3.1M | $-83K | -0.49% | 4.09% | 3.88% | 2,256 |
| Q1 2025 | $36.6M | $33.3M | $28.0M | $3.1M | $-61K | -0.67% | 3.56% | 3.03% | 2,269 |
| Q4 2024 | $36.9M | $33.5M | $28.0M | $3.2M | $18K | 0.05% | 3.74% | 4.85% | 2,291 |
| Q3 2024 | $37.6M | $34.2M | $28.0M | $3.3M | $17K | 0.06% | 3.67% | 2.60% | 2,299 |
| Q2 2024 | $35.9M | $32.4M | $27.4M | $3.3M | $48K | 0.27% | 3.85% | 2.41% | 2,312 |
Loan mix (Q1 2026): real estate $19.6M · commercial $0 · consumer $7.4M · securities $2.3M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.07% | 0.60% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -24.0% | 4.1% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.83% | 67th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.6% | 81.5% | 84th | |
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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