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Morrisville, NC · Charter 24807

NCUA · 4 branches

Q2 2026

$92.0MAssets
$43.9MLoans
$79.3MShares
$12.0MNet 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 0.21%, down 17 bps year over year; NIM at 3.94%.
  • Asset quality: problem loans at 1.11% of loans (-35 bps YoY).
  • Capital: net worth / assets of 13.03%, up 12 bps from a year ago.
  • Funding: loans stand at 55.41% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.21%-17 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+8 bps YoY

Efficiency Ratio (YTD, annualized)

93.42%+667 bps YoY

Net Worth / Assets

13.03%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.35%0.31%0.19%0.21%-17 bps
Return on Equity2.93%2.68%2.36%1.51%1.60%-133 bps
Net Interest Margin3.85%3.99%4.03%3.85%3.94%+8 bps
Efficiency Ratio86.75%86.93%87.36%93.86%93.42%+667 bps
Growth
Asset Growth (YoY)-1.29%-2.39%0.54%0.46%0.06%+135 bps
Loan Growth (YoY)-10.78%-9.00%-5.94%-4.87%-6.98%+381 bps
Share Growth (YoY)-1.95%-2.59%0.54%0.73%0.36%+230 bps
Asset Quality
Delinquent Loans / Loans1.45%1.61%1.59%0.97%1.11%-35 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 Capital12.92%13.13%13.15%12.74%13.03%+12 bps
Net Worth / Assets12.92%13.13%13.15%12.74%13.03%+12 bps
Liquidity & Funding
Loans / Shares59.78%60.27%58.78%54.77%55.41%-437 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps