CAROLINA
Charter #19788 · CHERRYVILLE, NC · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.93% sits at the 84th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 48th — a 36-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 | CAROLINA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $84.91M | 76th pct | 49th pct |
| Members | 7,435 | 84th pct | 48th pct |
| Net worth ratio | 10.44% | 25th pct | 34th pct |
| Return on average assets | 0.71% | 51th pct | 61th pct |
| Net interest margin | 4.18% | 76th pct | 51th pct |
| Cost of funds | 1.93% | 91th pct | 84th pct |
| Loan-to-share | 81.05% | 85th pct | 62th pct |
| Delinquency 60+ days | 0.74% | 57th pct | 49th pct |
| Net charge-off ratio | 0.45% | 67th pct | 38th pct |
| Loan growth YoY | 5.15% | 92th pct | 84th pct |
| Share growth YoY | 3.58% | 60th pct | 43th pct |
| Efficiency ratio | 80.06% | 51th pct | 51th pct |
structural peer set hash: 0d07456a6311875a6cbe04f4b534ead8… (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.