Jacksonville, NC · Charter 12977
NCUA · 14 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 | 0.69% | 0.71% | 0.86% | 0.76% | 0.67% | 0.74% | 0.62% | 0.58% | -18 bps | |
| Return on Equity | 6.68% | 6.76% | 8.20% | 7.13% | 6.45% | 6.98% | 5.90% | 5.52% | -161 bps | |
| Net Interest Margin | 4.41% | 4.47% | 4.60% | 4.64% | 4.61% | 4.68% | 4.81% | 4.72% | +8 bps | |
| Efficiency Ratio | 64.24% | 63.42% | 62.83% | 61.49% | 61.20% | 60.42% | 61.43% | 60.03% | -146 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.23% | 6.37% | 4.45% | 3.61% | 3.49% | 4.23% | 5.01% | 6.75% | +314 bps | |
| Loan Growth (YoY) | 5.37% | 6.09% | 2.73% | 0.48% | 6.76% | 7.59% | 10.64% | 17.34% | +1,686 bps | |
| Share Growth (YoY) | 5.19% | 7.27% | 4.68% | 3.80% | 4.60% | 3.50% | 5.55% | 7.48% | +369 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.35% | 1.01% | 1.08% | 1.20% | 1.70% | 1.35% | 1.36% | +28 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 | 10.38% | 10.44% | 10.50% | 10.63% | 10.39% | 10.57% | 10.49% | 10.42% | -21 bps | |
| Net Worth / Assets | 10.38% | 10.44% | 10.50% | 10.63% | 10.39% | 10.57% | 10.49% | 10.42% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.72% | 80.64% | 77.88% | 79.70% | 83.41% | 83.83% | 81.64% | 87.01% | +731 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |