CAROLINA COOPERATIVE
Charter #24801 · Charlotte, NC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,490 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.60% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.35% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 96th percentile but its structural peers at the 66th — a 31-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 COOPERATIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $47.28M | 96th pct | 66th pct |
| Members | 8,490 | 100th pct | 92th pct |
| Net worth ratio | 13.84% | 51th pct | 61th pct |
| Return on average assets | 0.41% | 37th pct | 44th pct |
| Net interest margin | 3.60% | 38th pct | 25th pct |
| Cost of funds | 1.27% | 69th pct | 69th pct |
| Loan-to-share | 79.82% | 84th pct | 74th pct |
| Delinquency 60+ days | 1.35% | 75th pct | 82th pct |
| Net charge-off ratio | 0.42% | 68th pct | 56th pct |
| Loan growth YoY | 0.79% | 76th pct | 77th pct |
| Share growth YoY | -2.03% | 12th pct | 13th pct |
| Efficiency ratio | 87.97% | 69th pct | 62th pct |
structural peer set hash: 45e5c2eb3105f15f5fab5b27fb035180… (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.