BRAGG MUTUAL
Charter #7955 · Fayetteville, NC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.26% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 3.90% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.54% sits at the 87th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 87th — a 19-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 | BRAGG MUTUAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $130.36M | 20th pct | 30th pct |
| Members | 9,152 | 26th pct | 43th pct |
| Net worth ratio | 8.26% | 5th pct | 15th pct |
| Return on average assets | 0.27% | 21th pct | 39th pct |
| Net interest margin | 3.90% | 67th pct | 77th pct |
| Cost of funds | 1.43% | 63th pct | 49th pct |
| Loan-to-share | 75.54% | 57th pct | 48th pct |
| Delinquency 60+ days | 0.96% | 74th pct | 66th pct |
| Net charge-off ratio | 0.54% | 68th pct | 87th pct |
| Loan growth YoY | 20.61% | 100th pct | 98th pct |
| Share growth YoY | 2.43% | 34th pct | 48th pct |
| Efficiency ratio | 84.50% | 70th pct | 52th pct |
structural peer set hash: bd7fd558c8786317116ae2d70588f032… (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.