PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Acclaim

Greensboro, NC · Charter 23386

NCUA · 2 branches

Q2 2026

$60.4MAssets
$37.8MLoans
$52.2MShares
$7.8MNet 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 0.79%, down 9 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.44% of loans (-55 bps YoY).
  • Capital: net worth / assets of 12.88%, up 36 bps from a year ago.
  • Funding: loans stand at 72.45% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.79%-9 bps YoY

Net Interest Margin (YTD, annualized)

4.24%-36 bps YoY

Efficiency Ratio (YTD, annualized)

78.53%+774 bps YoY

Net Worth / Assets

12.88%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%1.16%1.03%0.75%0.79%-9 bps
Return on Equity6.99%8.86%7.91%5.79%6.11%-88 bps
Net Interest Margin4.61%4.71%4.65%4.31%4.24%-36 bps
Efficiency Ratio70.79%69.99%70.34%77.34%78.53%+774 bps
Growth
Asset Growth (YoY)-1.50%-2.48%0.43%0.03%4.19%+568 bps
Loan Growth (YoY)-4.54%-6.60%-7.96%-6.26%-6.11%-158 bps
Share Growth (YoY)-2.17%-4.15%-1.21%-1.05%3.11%+528 bps
Asset Quality
Delinquent Loans / Loans0.99%0.75%0.41%0.26%0.44%-55 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 Capital12.51%13.07%12.99%12.98%12.88%+36 bps
Net Worth / Assets12.51%13.07%12.99%12.98%12.88%+36 bps
Liquidity & Funding
Loans / Shares79.57%79.18%76.88%75.76%72.45%-712 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps