Hickory, NC · Charter 22740
NCUA · 1 branch
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 | -0.40% | -0.57% | -0.27% | 1.07% | 0.54% | +94 bps | |
| Return on Equity | -2.99% | -4.25% | -2.07% | 8.06% | 3.80% | +680 bps | |
| Net Interest Margin | 6.31% | 6.51% | 6.34% | 6.22% | 6.51% | +20 bps | |
| Efficiency Ratio | 88.21% | 86.88% | 86.79% | 86.55% | 89.58% | +137 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.91% | -2.46% | 2.89% | -0.13% | -4.48% | -640 bps | |
| Loan Growth (YoY) | -7.20% | -6.17% | -5.22% | -0.79% | 0.74% | +795 bps | |
| Share Growth (YoY) | 4.10% | -1.60% | 3.23% | -2.23% | -4.97% | -907 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.63% | 1.07% | 0.85% | 0.64% | 0.80% | -83 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 | 13.32% | 13.44% | 13.23% | 13.31% | 14.13% | +82 bps | |
| Net Worth / Assets | 13.32% | 13.44% | 13.23% | 13.31% | 14.13% | +82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.19% | 88.87% | 86.53% | 85.73% | 90.31% | +513 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |