Salisbury, NC · Charter 24813
NCUA · 1 branch
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 | -1.68% | -1.82% | -5.93% | -2.82% | -4.82% | -4.58% | -0.61% | -0.17% | +265 bps | |
| Return on Equity | -21.02% | -22.30% | -92.57% | -43.14% | -100.50% | -129.63% | -19.50% | -5.31% | +3,783 bps | |
| Net Interest Margin | 5.76% | 6.35% | 5.72% | 5.76% | 5.99% | 6.05% | 5.28% | 5.46% | -30 bps | |
| Efficiency Ratio | 83.19% | 87.15% | 83.09% | 85.92% | 89.49% | 92.35% | 87.10% | 81.90% | -402 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.73% | -10.82% | -10.63% | -9.06% | -13.25% | -3.48% | 0.89% | -0.08% | +899 bps | |
| Loan Growth (YoY) | -6.83% | -9.04% | -12.78% | -7.16% | 0.34% | 7.99% | 11.64% | 5.97% | +1,313 bps | |
| Share Growth (YoY) | -1.36% | -8.61% | -7.75% | -5.97% | -10.02% | 0.93% | 4.42% | 3.41% | +938 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.12% | 5.67% | 2.80% | 3.05% | 0.98% | 1.31% | 1.05% | 1.26% | -179 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 | 7.99% | 8.18% | 6.40% | 6.55% | 4.79% | 3.53% | 3.10% | 3.23% | -331 bps | |
| Net Worth / Assets | 7.99% | 8.18% | 6.40% | 6.55% | 4.79% | 3.53% | 3.10% | 3.23% | -331 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.73% | 87.66% | 78.96% | 83.55% | 91.14% | 93.80% | 84.42% | 85.62% | +206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |