PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Carolinas Telco

Charlotte, NC · Charter 23494

NCUA · 10 branches

Q2 2026

$506.3MAssets
$295.6MLoans
$425.2MShares
$76.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.52%, up 12 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.91% of loans (-9 bps YoY).
  • Capital: net worth / assets of 15.06%, up 28 bps from a year ago.
  • Funding: loans stand at 69.51% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.52%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+19 bps YoY

Efficiency Ratio (YTD, annualized)

79.32%+62 bps YoY

Net Worth / Assets

15.06%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin3.30%3.31%3.10%3.21%3.24%3.25%3.18%3.40%+19 bps
Efficiency Ratio89.94%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 / Loans1.40%1.50%0.97%1.00%1.02%0.95%0.78%0.91%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.47%14.14%14.43%14.78%14.86%14.77%14.67%15.06%+28 bps
Net Worth / Assets14.47%14.14%14.43%14.78%14.86%14.77%14.67%15.06%+28 bps
Liquidity & Funding
Loans / Shares69.30%68.10%68.88%72.41%74.08%69.79%67.55%69.51%-290 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps