Rtp, NC · Charter 18550
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
4
Asset Quality
41
Profitability
29
Liquidity
70
Efficiency
26
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Rtp, NC · Charter 18550
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.23% | 0.25% | 0.15% | 0.29% | +10 bps | |
| Return on Equity | 2.43% | 2.98% | 3.13% | 1.85% | 3.57% | +114 bps | |
| Net Interest Margin | 3.33% | 3.43% | 3.49% | 3.41% | 3.51% | +18 bps | |
| Efficiency Ratio | 85.35% | 84.22% | 83.21% | 87.21% | 86.40% | +105 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.46% | 2.33% | 0.82% | -0.17% | -1.09% | -355 bps | |
| Loan Growth (YoY) | -8.99% | -4.00% | -4.93% | -3.61% | -6.11% | +288 bps | |
| Share Growth (YoY) | 1.76% | 1.84% | -0.38% | -1.02% | -1.62% | -339 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.60% | 0.81% | 0.94% | 0.60% | 0.85% | +26 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.73% | 7.88% | 7.93% | 7.86% | 8.06% | +33 bps | |
| Net Worth / Assets | 7.73% | 7.88% | 7.93% | 7.86% | 8.06% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.15% | 64.73% | 62.23% | 62.25% | 60.27% | -288 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rtp, NC · Charter 18550 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.29%
Rank 1,321 of 1,683
Net Interest Margin
3.51%
Rank 1,110 of 1,683
Efficiency Ratio
86.41%
Rank 1,239 of 1,682
Equity / Assets
8.06%
Rank 1,618 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,321 / 1,683 | |
| Return on Equity | 3.58% | 2.67% | 5.89% | 8.74% | Beats 32% | 1,141 / 1,681 | |
| Net Interest Margin | 3.51% | 3.31% | 3.82% | 4.32% | Beats 34% | 1,110 / 1,683 | |
| Efficiency Ratio | 86.41% | 68.91% | 78.20% | 86.93% | Beats 26% | 1,239 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.85% | 0.26% | 0.65% | 1.29% | Beats 41% | 994 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.06% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,618 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.06% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,618 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.27% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,094 / 1,683 | |
| Loans / Assets | 55.13% | 44.71% | 59.18% | 70.72% | 42nd pctl | 973 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||