Reidsville, NC · Charter 22119
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
26
Asset Quality
73
Profitability
65
Liquidity
21
Efficiency
37
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.
Reidsville, NC · Charter 22119
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 | 0.76% | 0.74% | 0.95% | 0.82% | 0.83% | +7 bps | |
| Return on Equity | 8.02% | 7.29% | 9.30% | 7.86% | 7.90% | -12 bps | |
| Net Interest Margin | 3.91% | 4.24% | 4.18% | 4.23% | 4.20% | +30 bps | |
| Efficiency Ratio | 84.91% | 84.78% | 81.73% | 80.22% | 82.69% | -221 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.27% | 5.33% | 7.71% | -1.64% | -0.79% | -1,106 bps | |
| Loan Growth (YoY) | 3.70% | 11.90% | 13.82% | -0.88% | 2.60% | -111 bps | |
| Share Growth (YoY) | 15.00% | 8.92% | 7.95% | -3.84% | -3.87% | -1,887 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.77% | 1.38% | 0.59% | 0.30% | -5 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 | 9.54% | 10.12% | 10.16% | 10.49% | 10.55% | +102 bps | |
| Net Worth / Assets | 9.54% | 10.12% | 10.16% | 10.49% | 10.55% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.90% | 90.71% | 89.10% | 84.44% | 87.41% | +551 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Reidsville, NC · Charter 22119 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.83%
Rank 751 of 1,683
Net Interest Margin
4.20%
Rank 510 of 1,683
Efficiency Ratio
82.69%
Rank 1,067 of 1,682
Equity / Assets
10.55%
Rank 1,247 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.35% | 0.74% | 1.18% | Beats 55% | 751 / 1,683 | |
| Return on Equity | 7.90% | 2.67% | 5.89% | 8.74% | Beats 69% | 527 / 1,681 | |
| Net Interest Margin | 4.20% | 3.31% | 3.82% | 4.32% | Beats 70% | 510 / 1,683 | |
| Efficiency Ratio | 82.69% | 68.91% | 78.20% | 86.93% | Beats 37% | 1,067 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 0.26% | 0.65% | 1.29% | Beats 73% | 463 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.55% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,247 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.55% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,247 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.41% | 52.61% | 69.38% | 83.50% | 82nd pctl | 305 / 1,683 | |
| Loans / Assets | 75.07% | 44.71% | 59.18% | 70.72% | 83rd pctl | 282 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||