Charlotte, NC · Charter 24808
NCUA · 20 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 | 0.15% | 0.17% | 0.34% | 0.42% | 0.56% | 0.63% | 0.50% | 0.56% | +14 bps | |
| Return on Equity | 1.60% | 1.79% | 3.72% | 4.55% | 5.90% | 6.58% | 5.21% | 5.84% | +129 bps | |
| Net Interest Margin | 3.24% | 3.23% | 3.24% | 3.35% | 3.45% | 3.47% | 3.51% | 3.57% | +22 bps | |
| Efficiency Ratio | 78.01% | 78.66% | 80.42% | 79.68% | 77.64% | 76.67% | 80.47% | 77.42% | -226 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.73% | 3.52% | 1.27% | 3.12% | 2.97% | 3.30% | 2.64% | 3.06% | -7 bps | |
| Loan Growth (YoY) | 4.38% | 4.84% | 6.19% | 5.00% | 3.18% | 2.84% | 0.61% | 0.47% | -453 bps | |
| Share Growth (YoY) | 3.14% | 2.05% | -0.54% | 1.38% | 2.04% | 2.31% | 2.58% | 3.09% | +171 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 0.77% | 0.61% | 0.71% | 0.75% | 0.98% | 0.94% | 1.32% | +61 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 | 9.48% | 9.35% | 9.19% | 9.31% | 9.56% | 9.56% | 9.50% | 9.61% | +30 bps | |
| Net Worth / Assets | 9.48% | 9.35% | 9.19% | 9.31% | 9.56% | 9.56% | 9.50% | 9.61% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.14% | 94.33% | 94.00% | 95.44% | 95.19% | 94.82% | 92.20% | 93.01% | -243 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |