Winston Salem, NC · Charter 24438
NCUA · 28 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
61
Asset Quality
53
Profitability
67
Liquidity
63
Efficiency
19
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.
Winston Salem, NC · Charter 24438
NCUA · 28 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 | 0.76% | 0.72% | 0.56% | 0.67% | 0.70% | 0.69% | 1.43% | 1.10% | +43 bps | |
| Return on Equity | 6.76% | 6.46% | 5.10% | 5.91% | 6.05% | 6.07% | 12.62% | 9.58% | +367 bps | |
| Net Interest Margin | 3.55% | 3.51% | 3.34% | 3.49% | 3.60% | 3.55% | 3.42% | 3.45% | -4 bps | |
| Efficiency Ratio | 83.02% | 83.20% | 85.97% | 84.29% | 83.76% | 83.76% | 75.69% | 79.15% | -514 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.06% | 5.39% | 5.18% | 6.29% | 3.85% | 4.93% | 5.30% | 6.89% | +60 bps | |
| Loan Growth (YoY) | 5.19% | 2.74% | 5.26% | 5.59% | 5.97% | 8.94% | 6.89% | 6.91% | +132 bps | |
| Share Growth (YoY) | 2.04% | 5.75% | 5.32% | 8.48% | 6.11% | 5.17% | 4.99% | 6.69% | -179 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.61% | 0.52% | 0.65% | 0.98% | 1.13% | 0.52% | 0.65% | 0 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 | 11.27% | 11.23% | 11.01% | 11.27% | 11.53% | 11.39% | 11.34% | 11.44% | +17 bps | |
| Net Worth / Assets | 11.27% | 11.23% | 11.01% | 11.27% | 11.53% | 11.39% | 11.34% | 11.44% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.38% | 91.70% | 89.98% | 93.39% | 95.25% | 94.99% | 91.60% | 93.59% | +20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Winston Salem, NC · Charter 24438 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 28 branches
Q2 2026
Return on Assets
1.10%
Rank 124 of 435
Net Interest Margin
3.45%
Rank 197 of 435
Efficiency Ratio
79.15%
Rank 353 of 435
Equity / Assets
11.44%
Rank 169 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 0.55% | 0.81% | 1.14% | Beats 71% | 124 / 435 | ||
| Return on Equity | 9.58% | 5.12% | 7.41% | 9.70% | Beats 74% | 115 / 435 | ||
| Net Interest Margin | 3.45% | 3.01% | 3.39% | 3.75% | Beats 55% | 197 / 435 | ||
| Efficiency Ratio | 79.15% | 65.25% | 71.39% | 77.86% | Beats 19% | 353 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.45% | 0.69% | 1.05% | Beats 53% | 205 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.44% | 9.81% | 10.84% | 12.63% | Beats 61% | 169 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.44% | 9.81% | 10.84% | 12.63% | Beats 61% | 169 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.59% | 78.33% | 88.38% | 95.61% | 68th pctl | 138 / 435 | ||
| Loans / Assets | 79.76% | 67.69% | 74.58% | 80.80% | 69th pctl | 137 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||