Durham, NC · Charter 24802
NCUA · 41 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 | 1.04% | 1.00% | 0.45% | 0.76% | 0.88% | 0.89% | 0.14% | 0.37% | -39 bps | |
| Return on Equity | 3.69% | 3.56% | 1.60% | 2.80% | 3.30% | 3.41% | 0.55% | 1.46% | -134 bps | |
| Net Interest Margin | 3.58% | 3.51% | 3.42% | 3.32% | 3.29% | 3.24% | 3.33% | 3.36% | +5 bps | |
| Efficiency Ratio | 76.23% | 77.45% | 80.43% | 77.63% | 74.48% | 74.93% | 92.83% | 87.43% | +979 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.31% | 1.89% | 1.32% | 6.20% | 10.22% | 11.94% | 11.77% | 5.81% | -39 bps | |
| Loan Growth (YoY) | 2.07% | 2.38% | 1.76% | 4.10% | 3.49% | 4.97% | 5.04% | 1.89% | -221 bps | |
| Share Growth (YoY) | 1.39% | 1.62% | 1.21% | 7.75% | 12.17% | 15.33% | 15.34% | 8.69% | +94 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.52% | 0.37% | 1.20% | 1.09% | 0.87% | 0.69% | 1.01% | -19 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 | 28.24% | 28.01% | 27.87% | 27.09% | 26.61% | 26.06% | 25.90% | 25.18% | -191 bps | |
| Net Worth / Assets | 28.24% | 28.01% | 27.87% | 27.09% | 26.61% | 26.06% | 25.90% | 25.18% | -191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.44% | 102.34% | 100.50% | 96.72% | 93.59% | 93.16% | 91.52% | 90.67% | -605 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |