| Metric | Guco Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.3 pts |
| Share growth (YoY) | +4.1% | +0.9% | +3.1 pts |
| Loan growth (YoY) | +7.8% | -2.6% | +10.4 pts |
| ROA | 0.24% | 0.65% | -0.4 pts |
| ROE | 1.3% | 4.4% | -3.0 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $10.2M | $8.4M | $7.0M | $1.8M | $12K | 0.24% | 4.48% | 0.13% | 1,383 |
| Q1 2026 | $10.0M | $8.2M | $6.9M | $1.8M | $14K | 0.55% | 4.56% | 0.00% | 1,383 |
| Q4 2025 | $9.8M | $7.9M | $6.4M | $1.8M | $37K | 0.37% | 4.65% | 0.01% | 1,391 |
| Q3 2025 | $9.7M | $7.9M | $6.5M | $1.8M | $29K | 0.40% | 4.70% | 0.00% | 1,390 |
| Q2 2025 | $9.9M | $8.1M | $6.5M | $1.8M | $12K | 0.25% | 4.48% | 0.00% | 1,420 |
| Q1 2025 | $10.0M | $8.2M | $6.4M | $1.8M | $6K | 0.25% | 4.23% | 0.00% | 1,440 |
| Q4 2024 | $9.8M | $8.0M | $6.3M | $1.8M | $-32K | -0.33% | 4.31% | 0.00% | 1,449 |
| Q3 2024 | $10.1M | $8.3M | $6.0M | $1.8M | $-27K | -0.36% | 4.16% | 0.00% | 1,531 |
| Ratio | Guco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.65% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.4% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $10.2M | $8.4M | $5.4M | $1.8M | $-54K | -1.06% | 3.98% | 0.37% | 1,883 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $6.0M · securities $94K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.4% | 80.6% | 80th |
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% |
| Ratio | Guco Credit Union | 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% |
| Ratio | Guco Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Guco Credit Union | 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% |
| Ratio | Guco Credit Union | 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% |
| Ratio | Guco Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+2 vs 2025). Biggest market: Pitt, NC, ranked 17th with 0.1% of deposits.
North Carolina: 161st with 0.00% · Greenville metro: 17th, 0.12% · Goldsboro metro: 19th, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3