Fayetteville, NC · Charter 13690
NCUA · 5 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 | 1.21% | 0.92% | 0.90% | 0.99% | 1.07% | 1.01% | 1.69% | 1.81% | +82 bps | |
| Return on Equity | 9.74% | 7.82% | 7.56% | 8.24% | 8.74% | 8.21% | 13.56% | 14.14% | +589 bps | |
| Net Interest Margin | 2.87% | 2.59% | 2.79% | 2.89% | 2.92% | 2.73% | 2.95% | 3.02% | +12 bps | |
| Efficiency Ratio | 56.71% | 59.93% | 62.32% | 58.76% | 57.86% | 61.14% | 55.57% | 53.41% | -535 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.35% | 11.35% | 8.91% | 7.05% | 6.98% | 3.12% | 4.23% | 4.52% | -253 bps | |
| Loan Growth (YoY) | 3.08% | 3.69% | 2.50% | -1.79% | -6.09% | -10.25% | -9.91% | -8.32% | -653 bps | |
| Share Growth (YoY) | 10.74% | 15.69% | 14.84% | 12.19% | 8.94% | 3.99% | 3.37% | 3.63% | -856 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.80% | 0.56% | 0.63% | 0.72% | 0.63% | 0.55% | 0.61% | -3 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 | 12.37% | 11.81% | 11.86% | 12.05% | 12.29% | 12.33% | 12.45% | 12.81% | +76 bps | |
| Net Worth / Assets | 12.37% | 11.81% | 11.86% | 12.05% | 12.29% | 12.33% | 12.45% | 12.81% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.16% | 77.95% | 75.28% | 72.91% | 69.97% | 67.28% | 65.61% | 64.51% | -840 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |