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American Partners

Reidsville, NC · Charter 22119

NCUA · 4 branches

Q2 2026

$107.7MAssets
$80.9MLoans
$92.5MShares
$11.4MNet 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 0.83%, up 7 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.30% of loans (-5 bps YoY).
  • Capital: net worth / assets of 10.55%, up 102 bps from a year ago.
  • Funding: loans stand at 87.41% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.83%+7 bps YoY

Net Interest Margin (quarter, annualized)

4.20%+30 bps YoY

Efficiency Ratio (quarter, annualized)

82.69%-221 bps YoY

Net Worth / Assets

10.55%+102 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.74%0.95%0.82%0.83%+7 bps
Return on Equity8.02%7.29%9.30%7.86%7.90%-12 bps
Net Interest Margin3.91%4.24%4.18%4.23%4.20%+30 bps
Efficiency Ratio84.91%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 / Loans0.35%0.77%1.38%0.59%0.30%-5 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 Capital9.54%10.12%10.16%10.49%10.55%+102 bps
Net Worth / Assets9.54%10.12%10.16%10.49%10.55%+102 bps
Liquidity & Funding
Loans / Shares81.90%90.71%89.10%84.44%87.41%+551 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps