Charlotte Amali, VI · Charter 23294
NCUA · 2 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
1
Asset Quality
1
Profitability
10
Liquidity
0
Efficiency
0
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.
Charlotte Amali, VI · Charter 23294
NCUA · 2 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 | -4.56% | -4.16% | -3.81% | -6.96% | -5.97% | -141 bps | |
| Return on Equity | -58.11% | -64.01% | -54.05% | -131.69% | -116.26% | -5,815 bps | |
| Net Interest Margin | 3.12% | 3.04% | 3.55% | 3.09% | 3.28% | +16 bps | |
| Efficiency Ratio | 224% | 213% | 177.66% | 300% | 260% | +3,571 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.07% | -0.90% | -3.00% | -6.36% | -6.19% | -512 bps | |
| Loan Growth (YoY) | -4.81% | 2.34% | 5.19% | 3.63% | 21.62% | +2,643 bps | |
| Share Growth (YoY) | 2.07% | 3.60% | 1.13% | -2.26% | -3.22% | -529 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 2.51% | 3.98% | 5.54% | 7.42% | +678 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.60% | 10.93% | 11.42% | 12.63% | 6.57% | -303 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.85% | 6.50% | 7.06% | 5.28% | 5.14% | -272 bps | |
| Net Worth / Assets | 7.85% | 6.50% | 7.06% | 5.28% | 5.14% | -272 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.57% | 23.02% | 26.30% | 25.32% | 29.62% | +605 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Charlotte Amali, VI · Charter 23294 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-6.02%
Rank 1,671 of 1,683
Net Interest Margin
3.39%
Rank 1,214 of 1,683
Efficiency Ratio
257%
Rank 1,677 of 1,682
Equity / Assets
5.14%
Rank 1,674 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.02% | 0.35% | 0.74% | 1.18% | Beats 1% | 1,671 / 1,683 | |
| Return on Equity | -117.07% | 2.67% | 5.89% | 8.74% | Beats 0% | 1,677 / 1,681 | |
| Net Interest Margin | 3.39% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,214 / 1,683 | |
| Efficiency Ratio | 257% | 68.91% | 78.20% | 86.93% | Beats 0% | 1,677 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 7.45% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,661 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 5.14% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,674 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 5.14% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,674 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 29.59% | 52.61% | 69.38% | 83.50% | 5th pctl | 1,601 / 1,683 | |
| Loans / Assets | 27.77% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,577 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||