| # | Institution | Type | Metro | Assets | Efficiency ratio |
|---|---|---|---|---|---|
| 1 | Texas Gulf Carolina Emp Credit Union Aurora, NC | Credit Union | — | $1.2M | 165.26% |
| 2 | Civic Federal Credit Union Raleigh, NC | Credit Union | — | $3.19B | 127.35% |
| 3 | Revity Federal Credit Union Greensboro, NC | Credit Union | — | $82.9M | 123.37% |
| 4 | Blue Flame Credit Union Charlotte, NC | Credit Union | — | $30.6M | 122.76% |
| 5 | Tarboro Savings Bank, SSB Tarboro, NC | Bank | Rocky Mount, NC | $54.1M | 112.61% |
| 6 | Black Mountain Savings Bank, SSB Black Mountain, NC | Bank | Asheville, NC | $43.0M | 110.55% |
| 7 | Piedmont Advantage Credit Union Winston Salem, NC | Credit Union | — | $382.5M | 109.60% |
| 8 | Hertford Savings Bank, SSB Hertford, NC |
| Bank |
| Elizabeth City, NC |
| $20.7M |
| 102.14% |
| 9 | First Carolina People's Credit Union Goldsboro, NC | Credit Union | — | $33.7M | 99.60% |
| 10 | Emergency Responders Credit Union Winston Salem, NC | Credit Union | — | $29.9M | 97.07% |
| 11 | Electel Cooperative Federal Credit Union Raleigh, NC | Credit Union | — | $66.5M | 94.82% |
| 12 | Welcome Federal Credit Union Morrisville, NC | Credit Union | — | $93.8M | 93.86% |
| 13 | Self-Help Federal Credit Union Durham, NC | Credit Union | — | $2.41B | 92.83% |
| 14 | Nova Credit Union Charlotte, NC | Credit Union | — | $120.6M | 91.86% |
| 15 | Jackson Savings Bank, SSB Sylva, NC | Bank | Cullowhee, NC | $31.9M | 91.30% |
| 16 | Lithium Federal Credit Union Bessemer City, NC | Credit Union | — | $15.8M | 90.72% |
| 17 | Morganton Savings Bank, S.S.B. Morganton, NC | Bank | Hickory-Lenoir-Morganton, NC | $114.5M | 89.28% |
| 18 | Tcp Credit Union Rural Hall, NC | Credit Union | — | $16.0M | 88.85% |
| 19 | First Savings and Loan Association Mebane, NC | Bank | Burlington, NC | $55.9M | 88.53% |
| 20 | Piedmont Federal Savings Bank Winston Salem, NC | Bank | Winston-Salem, NC | $1.32B | 88.38% |
| 21 | Triad Business Bank Greensboro, NC | Bank | Greensboro-High Point, NC | $536.0M | 88.37% |
| 22 | Carolina Cooperative Federal Credit Union Charlotte, NC | Credit Union | — | $47.3M | 87.97% |
| 23 | R T P Federal Credit Union Rtp, NC | Credit Union | — | $143.9M | 87.21% |
| 24 | Greater Kinston Credit Union Kinston, NC | Credit Union | — | $14.3M | 87.01% |
| 25 | Weyco Community Credit Union Plymouth, NC | Credit Union | — | $114.6M | 86.70% |
| 26 | Cs Credit Union Catawba, NC | Credit Union | — | $31.5M | 86.42% |
| 27 | Internal Revenue Employees Federal Credit Union Greensboro, NC | Credit Union | — | $12.3M | 86.18% |
| 28 | Mountain Credit Union Waynesville, NC | Credit Union | — | $370.2M | 85.59% |
| 29 | First Federal Bank Dunn, NC | Bank | Fayetteville, NC | $275.6M | 85.36% |
| 30 | Bragg Mutual Federal Credit Union Fayetteville, NC | Credit Union | — | $130.4M | 84.50% |
| 31 | Telco Credit Union Tarboro, NC | Credit Union | — | $53.5M | 83.11% |
| 32 | Arcade Credit Union Asheville, NC | Credit Union | — | $8.0M | 83.03% |
| 33 | Healthshare Credit Union Greensboro, NC | Credit Union | — | $50.2M | 82.70% |
| 34 | North State Bank Raleigh, NC | Bank | Raleigh-Cary, NC | $1.46B | 82.03% |
| 35 | Riverside Savings Bank, SSB Roanoke Rapids, NC | Bank | Roanoke Rapids, NC | $94.5M | 81.86% |
| 36 | Champion Credit Union Canton, NC | Credit Union | — | $555.1M | 81.15% |
| 37 | First Flight Federal Credit Union Cary, NC | Credit Union | — | $278.1M | 80.96% |
| 38 | Wnc Community CU Waynesville, NC | Credit Union | — | $94.2M | 80.95% |
| 39 | Latino Community Credit Union Durham, NC | Credit Union | — | $1.05B | 80.61% |
| 40 | Skyla Federal Credit Union Charlotte, NC | Credit Union | — | $1.66B | 80.47% |
| 41 | American Partners Federal Credit Union Reidsville, NC | Credit Union | — | $106.6M | 80.22% |
| 42 | Carolina Federal Credit Union Cherryville, NC | Credit Union | — | $84.9M | 80.06% |
| 43 | Vision Financial Federal Credit Union Durham, NC | Credit Union | — | $60.3M | 78.50% |
| 44 | First Federal Savings Bank of Lincolnton Lincolnton, NC | Bank | Charlotte-Concord-Gastonia, NC-SC | $485.8M | 77.56% |
| 45 | Shuford Federal Credit Union Hickory, NC | Credit Union | — | $36.3M | 77.40% |
| 46 | Charlotte Fire Department Credit Union Charlotte, NC | Credit Union | — | $54.5M | 77.00% |
| 47 | Belmont Savings Bank, SSB Belmont, NC | Bank | Charlotte-Concord-Gastonia, NC-SC | $161.0M | 76.98% |
| 48 | Mechanics & Farmers Bank Durham, NC | Bank | Durham-Chapel Hill, NC | $476.0M | 76.23% |
| 49 | Mount Vernon Baptist Church Credit Union Durham, NC | Credit Union | — | $147K | 75.66% |
| 50 | North Carolina Community Federal Credit Union Goldsboro, NC | Credit Union | — | $102.7M | 74.90% |