Greensboro, NC · Charter 23386
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 1.20% | 1.25% | 0.87% | 1.16% | 1.03% | 0.75% | 0.79% | -9 bps | |
| Return on Equity | 10.06% | 9.92% | 10.26% | 6.99% | 8.86% | 7.91% | 5.79% | 6.11% | -88 bps | |
| Net Interest Margin | 4.36% | 4.46% | 4.47% | 4.61% | 4.71% | 4.65% | 4.31% | 4.24% | -36 bps | |
| Efficiency Ratio | 73.42% | 72.21% | 70.40% | 70.79% | 69.99% | 70.34% | 77.34% | 78.53% | +774 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.13% | -0.08% | -1.31% | -1.50% | -2.48% | 0.43% | 0.03% | 4.19% | +568 bps | |
| Loan Growth (YoY) | -4.33% | -3.67% | -3.42% | -4.54% | -6.60% | -7.96% | -6.26% | -6.11% | -158 bps | |
| Share Growth (YoY) | 1.03% | -1.08% | -2.66% | -2.17% | -4.15% | -1.21% | -1.05% | 3.11% | +528 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.67% | 0.72% | 0.99% | 0.75% | 0.41% | 0.26% | 0.44% | -55 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.71% | 12.12% | 12.20% | 12.51% | 13.07% | 12.99% | 12.98% | 12.88% | +36 bps | |
| Net Worth / Assets | 11.71% | 12.12% | 12.20% | 12.51% | 13.07% | 12.99% | 12.98% | 12.88% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.26% | 82.51% | 79.97% | 79.57% | 79.18% | 76.88% | 75.76% | 72.45% | -712 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |