PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

North Carolina Community

Goldsboro, NC · Charter 12004

NCUA · 2 branches

Q2 2026

$107.1MAssets
$55.2MLoans
$98.3MShares
$11.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.13%, up 2 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.13% of loans (-1 bps YoY).
  • Capital: net worth / assets of 10.92%, up 14 bps from a year ago.
  • Funding: loans stand at 56.21% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.13%+2 bps YoY

Net Interest Margin (quarter, annualized)

4.23%-18 bps YoY

Efficiency Ratio (quarter, annualized)

74.78%+87 bps YoY

Net Worth / Assets

10.92%+14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.22%1.16%1.06%1.13%+2 bps
Return on Equity10.27%10.93%10.55%9.58%10.33%+6 bps
Net Interest Margin4.41%4.52%4.38%4.34%4.23%-18 bps
Efficiency Ratio73.91%73.25%73.70%74.90%74.78%+87 bps
Growth
Asset Growth (YoY)5.90%5.36%6.00%6.92%10.39%+449 bps
Loan Growth (YoY)17.83%18.86%16.02%7.64%4.22%-1,361 bps
Share Growth (YoY)8.85%7.94%6.62%9.70%10.72%+187 bps
Asset Quality
Delinquent Loans / Loans0.14%0.07%0.13%0.21%0.13%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.79%11.17%11.03%11.06%10.92%+14 bps
Net Worth / Assets10.79%11.17%11.03%11.06%10.92%+14 bps
Liquidity & Funding
Loans / Shares59.72%61.90%60.21%58.06%56.21%-351 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps