PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Civic

Raleigh, NC · Charter 24003

NCUA · 12 branches

Q2 2026

$3.1BAssets
$2.7BLoans
$2.6BShares
$180.3MNet 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 -3.07%, down 172 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 6.27% of loans (+133 bps YoY).
  • Capital: net worth / assets of 5.87%, down 324 bps from a year ago.
  • Funding: loans stand at 106.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-3.07%-172 bps YoY

Net Interest Margin (YTD, annualized)

2.51%-85 bps YoY

Efficiency Ratio (YTD, annualized)

120.48%+876 bps YoY

Net Worth / Assets

5.87%-324 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin3.37%3.12%3.07%2.47%2.51%-85 bps
Efficiency Ratio111.72%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 / Loans4.93%6.83%7.62%5.04%6.27%+133 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 Capital9.11%8.06%7.08%6.70%5.87%-324 bps
Net Worth / Assets9.11%8.06%7.08%6.70%5.87%-324 bps
Liquidity & Funding
Loans / Shares107.92%108.97%106.90%105.72%106.88%-104 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps