Morrisville, NC · Charter 24807
NCUA · 4 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 | 0.21% | 0.27% | 0.40% | 0.38% | 0.35% | 0.31% | 0.19% | 0.21% | -17 bps | |
| Return on Equity | 1.69% | 2.09% | 3.16% | 2.93% | 2.68% | 2.36% | 1.51% | 1.60% | -133 bps | |
| Net Interest Margin | 3.51% | 3.63% | 3.69% | 3.85% | 3.99% | 4.03% | 3.85% | 3.94% | +8 bps | |
| Efficiency Ratio | 94.34% | 92.41% | 88.30% | 86.75% | 86.93% | 87.36% | 93.86% | 93.42% | +667 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.08% | -2.24% | -2.79% | -1.29% | -2.39% | 0.54% | 0.46% | 0.06% | +135 bps | |
| Loan Growth (YoY) | -11.98% | -13.10% | -13.50% | -10.78% | -9.00% | -5.94% | -4.87% | -6.98% | +381 bps | |
| Share Growth (YoY) | -1.48% | -3.34% | -3.69% | -1.95% | -2.59% | 0.54% | 0.73% | 0.36% | +230 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.53% | 1.41% | 1.51% | 1.45% | 1.61% | 1.59% | 0.97% | 1.11% | -35 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 | 12.55% | 13.00% | 12.64% | 12.92% | 13.13% | 13.15% | 12.74% | 13.03% | +12 bps | |
| Net Worth / Assets | 12.55% | 13.00% | 12.64% | 12.92% | 13.13% | 13.15% | 12.74% | 13.03% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.51% | 62.83% | 58.00% | 59.78% | 60.27% | 58.78% | 54.77% | 55.41% | -437 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |