Charlotte, NC · Charter 24801
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.00% | 0.09% | -0.08% | -0.22% | -0.10% | 0.41% | 0.26% | +34 bps | |
| Return on Equity | 0.24% | 0.01% | 0.70% | -0.56% | -1.61% | -0.73% | 2.98% | 1.84% | +240 bps | |
| Net Interest Margin | 2.91% | 2.98% | 2.98% | 3.15% | 3.28% | 3.39% | 3.63% | 3.75% | +60 bps | |
| Efficiency Ratio | 96.32% | 96.07% | 93.32% | 96.59% | 97.81% | 95.83% | 87.97% | 89.68% | -691 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.52% | -3.69% | -5.97% | -7.23% | -5.62% | -6.27% | -6.98% | -6.57% | +66 bps | |
| Loan Growth (YoY) | -16.11% | -18.70% | -18.84% | -15.92% | -11.60% | 0.68% | 1.55% | 0.61% | +1,653 bps | |
| Share Growth (YoY) | -5.65% | -3.63% | -6.16% | -7.50% | -5.72% | -7.11% | -7.93% | -7.63% | -12 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.58% | 1.65% | 1.78% | 1.59% | 1.37% | 1.04% | 1.35% | 1.73% | +13 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 | 13.36% | 13.17% | 13.29% | 13.58% | 13.48% | 13.59% | 13.89% | 14.22% | +65 bps | |
| Net Worth / Assets | 13.36% | 13.17% | 13.29% | 13.58% | 13.48% | 13.59% | 13.89% | 14.22% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.74% | 76.48% | 72.37% | 73.46% | 77.58% | 82.90% | 79.82% | 80.02% | +655 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |