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 | |