Raleigh, NC · Charter 24819
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
48
Asset Quality
68
Profitability
29
Liquidity
95
Efficiency
20
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Raleigh, NC · Charter 24819
NCUA · 5 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 | 0.72% | 0.75% | 1.52% | 0.95% | 0.63% | 0.58% | -0.23% | 0.01% | -95 bps | |
| Return on Equity | 5.55% | 5.72% | 11.59% | 7.09% | 4.73% | 4.61% | -1.77% | 0.05% | -704 bps | |
| Net Interest Margin | 4.52% | 4.44% | 4.28% | 4.31% | 4.32% | 4.33% | 4.13% | 4.04% | -26 bps | |
| Efficiency Ratio | 80.37% | 80.19% | 72.73% | 81.18% | 83.09% | 83.07% | 94.82% | 89.14% | +795 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.76% | 4.39% | 4.07% | 1.37% | 2.39% | 3.06% | 2.50% | 6.98% | +561 bps | |
| Loan Growth (YoY) | 6.98% | 2.61% | 1.26% | 2.24% | 3.78% | 3.97% | 2.76% | 4.63% | +238 bps | |
| Share Growth (YoY) | 3.23% | 4.42% | 4.05% | 1.07% | 2.47% | 3.32% | 2.70% | 8.55% | +748 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.74% | 0.34% | 0.39% | 0.25% | 0.36% | 0.22% | 0.37% | -2 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 | 12.91% | 13.04% | 13.10% | 13.43% | 13.29% | 12.66% | 12.93% | 12.67% | -76 bps | |
| Net Worth / Assets | 12.91% | 13.04% | 13.10% | 13.43% | 13.29% | 12.66% | 12.93% | 12.67% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.44% | 71.67% | 70.99% | 73.21% | 73.37% | 72.12% | 71.03% | 70.56% | -264 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Raleigh, NC · Charter 24819 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.01%
Rank 1,475 of 1,683
Net Interest Margin
4.04%
Rank 634 of 1,683
Efficiency Ratio
89.10%
Rank 1,352 of 1,682
Equity / Assets
12.67%
Rank 879 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.01% | 0.35% | 0.74% | 1.18% | Beats 12% | 1,475 / 1,683 | ||
| Return on Equity | 0.05% | 2.67% | 5.89% | 8.74% | Beats 12% | 1,475 / 1,681 | ||
| Net Interest Margin | 4.04% | 3.31% | 3.82% | 4.32% | Beats 62% | 634 / 1,683 | ||
| Efficiency Ratio | 89.10% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,352 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | 0.26% | 0.65% | 1.29% | Beats 68% | 543 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.67% | 10.44% | 12.89% | 16.53% | Beats 48% | 879 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.67% | 10.44% | 12.89% | 16.53% | Beats 48% | 879 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.56% | 52.61% | 69.38% | 83.50% | 52nd pctl | 807 / 1,683 | ||
| Loans / Assets | 61.98% | 44.71% | 59.18% | 70.72% | 57th pctl | 731 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||