PackageTrendsPeer
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Fort Bragg

Fayetteville, NC · Charter 13690

NCUA · 5 branches

Q2 2026

$689.6MAssets
$385.5MLoans
$597.6MShares
$88.3MNet 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 1.81%, up 82 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.61% of loans (-3 bps YoY).
  • Capital: net worth / assets of 12.81%, up 76 bps from a year ago.
  • Funding: loans stand at 64.51% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.81%+82 bps YoY

Net Interest Margin (YTD, annualized)

3.02%+12 bps YoY

Efficiency Ratio (YTD, annualized)

53.41%-535 bps YoY

Net Worth / Assets

12.81%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.07%1.01%1.69%1.81%+82 bps
Return on Equity8.24%8.74%8.21%13.56%14.14%+589 bps
Net Interest Margin2.89%2.92%2.73%2.95%3.02%+12 bps
Efficiency Ratio58.76%57.86%61.14%55.57%53.41%-535 bps
Growth
Asset Growth (YoY)7.05%6.98%3.12%4.23%4.52%-253 bps
Loan Growth (YoY)-1.79%-6.09%-10.25%-9.91%-8.32%-653 bps
Share Growth (YoY)12.19%8.94%3.99%3.37%3.63%-856 bps
Asset Quality
Delinquent Loans / Loans0.63%0.72%0.63%0.55%0.61%-3 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 Capital12.05%12.29%12.33%12.45%12.81%+76 bps
Net Worth / Assets12.05%12.29%12.33%12.45%12.81%+76 bps
Liquidity & Funding
Loans / Shares72.91%69.97%67.28%65.61%64.51%-840 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps