Raleigh, NC · Charter 24003
NCUA · 12 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
0
Profitability
3
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.
Raleigh, NC · Charter 24003
NCUA · 12 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 | -1.35% | -2.86% | -3.72% | -2.73% | -3.07% | -172 bps | |
| Return on Equity | -14.87% | -35.47% | -52.53% | -40.71% | -52.34% | -3,747 bps | |
| Net Interest Margin | 3.37% | 3.12% | 3.07% | 2.47% | 2.51% | -85 bps | |
| Efficiency Ratio | 111.72% | 139.01% | 136.82% | 127.35% | 120.48% | +876 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.62% | -14.74% | -17.54% | -19.96% | -16.22% | -860 bps | |
| Loan Growth (YoY) | -8.27% | -14.18% | -16.59% | -17.67% | -15.44% | -717 bps | |
| Share Growth (YoY) | -14.86% | -21.40% | -23.72% | -24.35% | -14.61% | +25 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.93% | 6.83% | 7.62% | 5.04% | 6.27% | +133 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.11% | 8.06% | 7.08% | 6.70% | 5.87% | -324 bps | |
| Net Worth / Assets | 9.11% | 8.06% | 7.08% | 6.70% | 5.87% | -324 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 107.92% | 108.97% | 106.90% | 105.72% | 106.88% | -104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Raleigh, NC · Charter 24003 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 12 branches
Q2 2026
Return on Assets
-3.07%
Rank 435 of 435
Net Interest Margin
2.51%
Rank 398 of 435
Efficiency Ratio
120.49%
Rank 435 of 435
Equity / Assets
5.87%
Rank 434 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.07% | 0.55% | 0.81% | 1.14% | Beats 0% | 435 / 435 | |
| Return on Equity | -52.34% | 5.12% | 7.41% | 9.70% | Beats 0% | 435 / 435 | |
| Net Interest Margin | 2.51% | 3.01% | 3.39% | 3.75% | Beats 9% | 398 / 435 | |
| Efficiency Ratio | 120.49% | 65.25% | 71.39% | 77.86% | Beats 0% | 435 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 6.27% | 0.45% | 0.69% | 1.05% | Beats 0% | 434 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 5.87% | 9.81% | 10.84% | 12.63% | Beats 0% | 434 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 5.87% | 9.81% | 10.84% | 12.63% | Beats 0% | 434 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 106.88% | 78.33% | 88.38% | 95.61% | 96th pctl | 16 / 435 | |
| Loans / Assets | 89.06% | 67.69% | 74.58% | 80.80% | 98th pctl | 10 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||