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Allegacy Financial

Winston Salem, NC · Charter 24438

NCUA · 28 branches

Q2 2026

$2.6BAssets
$2.1BLoans
$2.2BShares
$296.4MNet 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 1.10%, up 43 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.65% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.44%, up 17 bps from a year ago.
  • Funding: loans stand at 93.59% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.45%-4 bps YoY

Efficiency Ratio (YTD, annualized)

79.15%-514 bps YoY

Net Worth / Assets

11.44%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.67%0.70%0.69%1.43%1.10%+43 bps
Return on Equity5.91%6.05%6.07%12.62%9.58%+367 bps
Net Interest Margin3.49%3.60%3.55%3.42%3.45%-4 bps
Efficiency Ratio84.29%83.76%83.76%75.69%79.15%-514 bps
Growth
Asset Growth (YoY)6.29%3.85%4.93%5.30%6.89%+60 bps
Loan Growth (YoY)5.59%5.97%8.94%6.89%6.91%+132 bps
Share Growth (YoY)8.48%6.11%5.17%4.99%6.69%-179 bps
Asset Quality
Delinquent Loans / Loans0.65%0.98%1.13%0.52%0.65%0 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 Capital11.27%11.53%11.39%11.34%11.44%+17 bps
Net Worth / Assets11.27%11.53%11.39%11.34%11.44%+17 bps
Liquidity & Funding
Loans / Shares93.39%95.25%94.99%91.60%93.59%+20 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps