GUCO
Charter #62985 · Greenville, NC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.19% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 87.58% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 0th percentile but its structural peers at the 30th — a 29-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 | GUCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.03M | 0th pct | 30th pct |
| Members | 1,383 | 20th pct | 46th pct |
| Net worth ratio | 18.24% | 79th pct | 61th pct |
| Return on average assets | 0.55% | 44th pct | 30th pct |
| Net interest margin | 4.61% | 82th pct | 64th pct |
| Cost of funds | 0.19% | 14th pct | 8th pct |
| Loan-to-share | 84.12% | 88th pct | 67th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.03% | 40th pct | 46th pct |
| Loan growth YoY | 5.13% | 93th pct | 90th pct |
| Share growth YoY | 3.92% | 65th pct | 67th pct |
| Efficiency ratio | 87.58% | 68th pct | 85th pct |
structural peer set hash: b5353d559ebf4803132f21dab1419788… (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.