Durham, NC · Charter 13492
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.23% | 1.14% | 1.22% | 1.11% | 1.12% | 0.99% | 1.23% | +1 bps | |
| Return on Equity | 7.88% | 7.75% | 7.09% | 7.65% | 6.97% | 6.90% | 6.07% | 7.34% | -31 bps | |
| Net Interest Margin | 3.96% | 4.02% | 3.93% | 3.88% | 3.80% | 3.83% | 3.76% | 3.87% | -1 bps | |
| Efficiency Ratio | 73.12% | 73.39% | 75.91% | 76.69% | 77.32% | 76.87% | 78.50% | 74.17% | -251 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.78% | -1.70% | -1.05% | 2.07% | 3.45% | 4.65% | 5.37% | 1.85% | -21 bps | |
| Loan Growth (YoY) | 2.01% | 1.90% | 1.22% | -2.06% | 2.78% | 2.49% | 1.13% | 3.25% | +531 bps | |
| Share Growth (YoY) | -3.02% | -2.79% | -1.94% | 1.60% | 2.68% | 4.21% | 5.14% | 0.87% | -73 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.02% | 0.14% | 0.17% | 0.22% | 0.02% | 0.04% | 0.00% | -16 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 | 15.32% | 15.91% | 16.01% | 16.00% | 15.91% | 16.30% | 16.26% | 16.82% | +82 bps | |
| Net Worth / Assets | 15.32% | 15.91% | 16.01% | 16.00% | 15.91% | 16.30% | 16.26% | 16.82% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.82% | 43.82% | 43.29% | 40.18% | 42.87% | 43.09% | 41.64% | 41.13% | +95 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |