Goldsboro, NC · Charter 12004
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
30
Asset Quality
84
Profitability
76
Liquidity
57
Efficiency
60
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Goldsboro, NC · Charter 12004
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.12% | 1.04% | 1.11% | 1.22% | 1.16% | 1.06% | 1.13% | +2 bps | |
| Return on Equity | 12.22% | 10.75% | 9.77% | 10.27% | 10.93% | 10.55% | 9.58% | 10.33% | +6 bps | |
| Net Interest Margin | 4.24% | 4.16% | 4.31% | 4.41% | 4.52% | 4.38% | 4.34% | 4.23% | -18 bps | |
| Efficiency Ratio | 72.77% | 74.88% | 75.05% | 73.91% | 73.25% | 73.70% | 74.90% | 74.78% | +87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.57% | 6.19% | 6.10% | 5.90% | 5.36% | 6.00% | 6.92% | 10.39% | +449 bps | |
| Loan Growth (YoY) | 7.22% | 4.85% | 13.58% | 17.83% | 18.86% | 16.02% | 7.64% | 4.22% | -1,361 bps | |
| Share Growth (YoY) | 1.76% | 5.94% | 5.81% | 8.85% | 7.94% | 6.62% | 9.70% | 10.72% | +187 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.02% | 0.06% | 0.14% | 0.07% | 0.13% | 0.21% | 0.13% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.61% | 10.47% | 10.59% | 10.79% | 11.17% | 11.03% | 11.06% | 10.92% | +14 bps | |
| Net Worth / Assets | 10.61% | 10.47% | 10.59% | 10.79% | 11.17% | 11.03% | 11.06% | 10.92% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.21% | 55.33% | 59.18% | 59.72% | 61.90% | 60.21% | 58.06% | 56.21% | -351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Goldsboro, NC · Charter 12004 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.13%
Rank 477 of 1,683
Net Interest Margin
4.23%
Rank 478 of 1,683
Efficiency Ratio
74.76%
Rank 669 of 1,682
Equity / Assets
10.92%
Rank 1,170 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 0.35% | 0.74% | 1.18% | Beats 72% | 477 / 1,683 | ||
| Return on Equity | 10.33% | 2.67% | 5.89% | 8.74% | Beats 85% | 254 / 1,681 | ||
| Net Interest Margin | 4.23% | 3.31% | 3.82% | 4.32% | Beats 72% | 478 / 1,683 | ||
| Efficiency Ratio | 74.76% | 68.91% | 78.20% | 86.93% | Beats 60% | 669 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.26% | 0.65% | 1.29% | Beats 84% | 267 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.92% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,170 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.92% | 10.44% | 12.89% | 16.53% | Beats 30% | 1,170 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.21% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,183 / 1,683 | ||
| Loans / Assets | 51.60% | 44.71% | 59.18% | 70.72% | 37th pctl | 1,064 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||