CIVIC
Charter #24003 · RALEIGH, NC · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 349,847 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 6.68% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of -2.67% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 2.42% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 3.33% sits at the 95th percentile of structural peers — worth a closer look.
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 | CIVIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.19B | 67th pct | 61th pct |
| Members | 349,847 | 88th pct | 92th pct |
| Net worth ratio | 6.68% | 0th pct | 2th pct |
| Return on average assets | -2.67% | 0th pct | 0th pct |
| Net interest margin | 2.42% | 7th pct | 8th pct |
| Cost of funds | 3.33% | 98th pct | 95th pct |
| Loan-to-share | 105.72% | 97th pct | 89th pct |
| Delinquency 60+ days | 5.04% | 100th pct | 98th pct |
| Net charge-off ratio | 2.41% | 99th pct | 97th pct |
| Loan growth YoY | -7.95% | 0th pct | 3th pct |
| Share growth YoY | -5.11% | 0th pct | 3th pct |
| Efficiency ratio | 127.35% | 100th pct | 98th pct |
structural peer set hash: bd4640856c458b7e9026c59d691c107a… (reproducible)
Closest structural peers
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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.