FORT BRAGG
Charter #13690 · Fayetteville, NC · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.71% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.99% sits at the 23rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 55.57% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 72nd — a 17-point gap showing why the peer definition matters.
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 | FORT BRAGG | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $682.80M | 45th pct | 38th pct |
| Members | 35,348 | 31th pct | 34th pct |
| Net worth ratio | 12.45% | 76th pct | 69th pct |
| Return on average assets | 1.71% | 95th pct | 97th pct |
| Net interest margin | 2.99% | 19th pct | 23th pct |
| Cost of funds | 1.43% | 46th pct | 61th pct |
| Loan-to-share | 65.61% | 17th pct | 33th pct |
| Delinquency 60+ days | 0.55% | 46th pct | 54th pct |
| Net charge-off ratio | 0.49% | 56th pct | 72th pct |
| Loan growth YoY | -3.74% | 7th pct | 7th pct |
| Share growth YoY | 2.65% | 30th pct | 30th pct |
| Efficiency ratio | 55.57% | 5th pct | 2th pct |
structural peer set hash: 68d8cb3b85122d0e7b57d4576b9c751b… (reproducible)
Closest structural peers
This is the free public view
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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.