TCP
Charter #65384 · RURAL HALL, NC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.34% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 2.08% sits at the 82nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.22% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.17% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.85% sits at the 84th 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 | TCP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.01M | 24th pct | 30th pct |
| Members | 2,099 | 50th pct | 34th pct |
| Net worth ratio | 16.88% | 71th pct | 69th pct |
| Return on average assets | 0.34% | 33th pct | 25th pct |
| Net interest margin | 4.90% | 89th pct | 54th pct |
| Cost of funds | 2.08% | 92th pct | 82th pct |
| Loan-to-share | 75.32% | 78th pct | 49th pct |
| Delinquency 60+ days | 0.22% | 31th pct | 18th pct |
| Net charge-off ratio | 1.17% | 88th pct | 77th pct |
| Loan growth YoY | -3.57% | 41th pct | 30th pct |
| Share growth YoY | 9.85% | 95th pct | 89th pct |
| Efficiency ratio | 88.85% | 71th pct | 84th pct |
structural peer set hash: efb8508d062387a410169d5ed7324db7… (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.