RANKING ·
Lowest efficiency ratio in North Carolina
26 of 57 credit unions in North Carolina that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Fort Bragg Federal Credit Union | Fayetteville, NC | 51.4% | $690 million |
| 2 | Marine Federal Credit Union | Jacksonville, NC | 58.6% | $1.1 billion |
| 3 | Coastal Federal Credit Union | Raleigh, NC | 60.4% | $6.2 billion |
| 4 | State Employees' Credit Union | Raleigh, NC | 61.7% | $60.0 billion |
| 5 | Self-Help Credit Union | Durham, NC | 64.1% | $2.2 billion |
| 6 | Members Credit Union | Winston Salem, NC | 64.6% | $477 million |
| 7 | Summit Credit Union | Greensboro, NC | 67.3% | $369 million |
| 8 | Truliant Federal Credit Union | Winston Salem, NC | 69.1% | $5.6 billion |
| 9 | Telco Community Credit Union | Candler, NC | 71.3% | $429 million |
| 10 | First Flight Federal Credit Union | Cary, NC | 72.6% | $284 million |
| 11 | Duke University Federal Credit Union | Durham, NC | 73.4% | $203 million |
| 12 | Skyla Federal Credit Union | Charlotte, NC | 74.5% | $1.7 billion |
| 13 | North Carolina Community Federal Credit Union | Goldsboro, NC | 74.7% | $107 million |
| 14 | Carolinas Telco Federal Credit Union | Charlotte, NC | 77.2% | $506 million |
| 15 | Champion Credit Union | Canton, NC | 77.2% | $552 million |
| 16 | Latino Community Credit Union | Durham, NC | 78.1% | $1.0 billion |
| 17 | Self-Help Federal Credit Union | Durham, NC | 82.3% | $2.4 billion |
| 18 | Mountain Credit Union | Waynesville, NC | 82.5% | $372 million |
| 19 | Allegacy Financial Federal Credit Union | Winston Salem, NC | 83.0% | $2.6 billion |
| 20 | Bragg Mutual Federal Credit Union | Fayetteville, NC | 83.5% | $131 million |
| 21 | American Partners Federal Credit Union | Reidsville, NC | 85.0% | $108 million |
| 22 | Weyco Community Credit Union | Plymouth, NC | 85.2% | $115 million |
| 23 | R T P Federal Credit Union | Rtp, NC | 85.6% | $142 million |
| 24 | Nova Credit Union | Charlotte, NC | 93.8% | $121 million |
| 25 | Piedmont Advantage Credit Union | Winston Salem, NC | 110.3% | $368 million |
| 26 | Civic Federal Credit Union | Raleigh, NC | 113.7% | $3.1 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings