NORTH CAROLINA COMMUNITY
Charter #12004 · GOLDSBORO, NC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,869 sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 4.39% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.57% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.21% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NORTH CAROLINA COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $102.67M | 3th pct | 16th pct |
| Members | 5,869 | 6th pct | 8th pct |
| Net worth ratio | 11.06% | 44th pct | 48th pct |
| Return on average assets | 1.07% | 73th pct | 70th pct |
| Net interest margin | 4.39% | 87th pct | 93th pct |
| Cost of funds | 0.57% | 22th pct | 20th pct |
| Loan-to-share | 58.06% | 23th pct | 36th pct |
| Delinquency 60+ days | 0.21% | 14th pct | 21th pct |
| Net charge-off ratio | 0.31% | 45th pct | 51th pct |
| Loan growth YoY | -0.31% | 44th pct | 43th pct |
| Share growth YoY | 6.28% | 83th pct | 75th pct |
| Efficiency ratio | 74.90% | 38th pct | 36th pct |
structural peer set hash: 16dcf364e71a1431cc1d64347b781c30… (reproducible)
Closest structural peers
This is the free public view
Claim NORTH CAROLINA COMMUNITY
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.