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 | |