Charlotte, NC · Charter 23494
NCUA · 10 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
68
Asset Quality
38
Profitability
32
Liquidity
99
Efficiency
46
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, NC · Charter 23494
NCUA · 10 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 | -0.49% | -0.78% | 0.29% | 0.41% | 0.42% | 0.41% | 0.41% | 0.52% | +12 bps | |
| Return on Equity | -3.40% | -5.49% | 2.03% | 2.77% | 2.84% | 2.74% | 2.80% | 3.48% | +72 bps | |
| Net Interest Margin | 3.30% | 3.31% | 3.10% | 3.21% | 3.24% | 3.25% | 3.18% | 3.40% | +19 bps | |
| Efficiency Ratio | 89.94% | 92.29% | 80.88% | 78.70% | 78.57% | 78.89% | 81.71% | 79.32% | +62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.31% | -6.84% | -6.84% | -6.70% | -4.30% | -2.65% | 0.21% | 0.17% | +687 bps | |
| Loan Growth (YoY) | -10.66% | -9.91% | -3.55% | 3.10% | 6.67% | 3.59% | -1.56% | -3.16% | -626 bps | |
| Share Growth (YoY) | -3.65% | -2.79% | -1.84% | -1.23% | -0.21% | 1.08% | 0.38% | 0.88% | +211 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 1.50% | 0.97% | 1.00% | 1.02% | 0.95% | 0.78% | 0.91% | -9 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 | 14.47% | 14.14% | 14.43% | 14.78% | 14.86% | 14.77% | 14.67% | 15.06% | +28 bps | |
| Net Worth / Assets | 14.47% | 14.14% | 14.43% | 14.78% | 14.86% | 14.77% | 14.67% | 15.06% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.30% | 68.10% | 68.88% | 72.41% | 74.08% | 69.79% | 67.55% | 69.51% | -290 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Charlotte, NC · Charter 23494 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
Return on Assets
0.52%
Rank 1,102 of 1,683
Net Interest Margin
3.40%
Rank 1,203 of 1,683
Efficiency Ratio
79.32%
Rank 903 of 1,682
Equity / Assets
15.06%
Rank 545 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,102 / 1,683 | ||
| Return on Equity | 3.49% | 2.67% | 5.89% | 8.74% | Beats 31% | 1,153 / 1,681 | ||
| Net Interest Margin | 3.40% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,203 / 1,683 | ||
| Efficiency Ratio | 79.32% | 68.91% | 78.20% | 86.93% | Beats 46% | 903 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.91% | 0.26% | 0.65% | 1.29% | Beats 38% | 1,051 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.06% | 10.44% | 12.89% | 16.53% | Beats 68% | 545 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.06% | 10.44% | 12.89% | 16.53% | Beats 68% | 545 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.51% | 52.61% | 69.38% | 83.50% | 50th pctl | 837 / 1,683 | ||
| Loans / Assets | 58.37% | 44.71% | 59.18% | 70.72% | 48th pctl | 870 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||