GREATER KINSTON
Charter #64034 · KINSTON, NC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,833 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.06% sits at the 23rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.36% sits at the 93rd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 44th — 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 | GREATER KINSTON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.26M | 18th pct | 13th pct |
| Members | 3,833 | 89th pct | 84th pct |
| Net worth ratio | 12.72% | 43th pct | 62th pct |
| Return on average assets | 0.06% | 20th pct | 23th pct |
| Net interest margin | 3.66% | 40th pct | 46th pct |
| Cost of funds | 1.53% | 79th pct | 61th pct |
| Loan-to-share | 73.73% | 75th pct | 44th pct |
| Delinquency 60+ days | 1.16% | 72th pct | 70th pct |
| Net charge-off ratio | 1.36% | 90th pct | 93th pct |
| Loan growth YoY | -7.15% | 17th pct | 5th pct |
| Share growth YoY | 1.26% | 37th pct | 48th pct |
| Efficiency ratio | 87.01% | 67th pct | 59th pct |
structural peer set hash: d5c9bbe502482e9b20584b98ad90aa4c… (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.