Greater Kinston Credit Union
Total assets
$14.3M
▼ -2.4% YoY
Shares & deposits
$12.3M
▼ -1.4% YoY
Loans
$9.1M
▼ -10.8% YoY
Members
3,833
▼ -3.3% YoY
ROA (annualized)
0.06%
peers 0.60%
ROE (annualized)
0.49%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +1.3% | -3.7 pts |
| Share growth (YoY) | -1.4% | +0.7% | -2.1 pts |
| Loan growth (YoY) | -10.8% | -2.4% | -8.5 pts |
| ROA | 0.06% | 0.60% | -0.5 pts |
| ROE | 0.5% | 4.1% | -3.6 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 901 N. Queen Street, Kinston, NC, 28501
- NCUA charter #
- 64034
- RSSD ID
- 167190
- 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 | $14.3M | $12.3M | $9.1M | $1.8M | $2K | 0.06% | 3.66% | 1.16% | 3,833 |
| Q4 2025 | $14.3M | $12.4M | $9.4M | $1.8M | $-114K | -0.80% | 3.77% | 2.29% | 3,829 |
| Q3 2025 | $14.2M | $12.2M | $9.8M | $1.9M | $4K | 0.03% | 3.79% | 1.80% | 3,996 |
| Q2 2025 | $14.4M | $12.3M | $10.1M | $1.9M | $3K | 0.04% | 3.71% | 2.42% | 3,974 |
| Q1 2025 | $14.6M | $12.5M | $10.2M | $2.0M | $367 | 0.01% | 3.51% | 2.70% | 3,963 |
| Q4 2024 | $13.9M | $11.8M | $9.6M | $2.0M | $71K | 0.51% | 3.77% | 4.46% | 3,935 |
| Q3 2024 | $14.1M | $12.0M | $9.8M | $2.0M | $68K | 0.65% | 3.80% | 2.34% | 4,056 |
| Q2 2024 | $14.3M | $12.2M | $9.9M | $2.0M | $50K | 0.70% | 3.70% | 2.01% | 4,002 |
Loan mix (Q1 2026): real estate $6.7M · commercial $0 · consumer $2.3M · securities $121K
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 | 0.06% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.0% | 81.5% | — | |
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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