Greensboro, NC · Charter 24840
NCUA · 4 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
3
Asset Quality
13
Profitability
12
Liquidity
99
Efficiency
4
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.
Greensboro, NC · Charter 24840
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 | 0.16% | -0.07% | -0.29% | -0.45% | -0.56% | -1.10% | -1.58% | -1.24% | -79 bps | |
| Return on Equity | 1.62% | -0.68% | -3.12% | -4.75% | -5.88% | -12.70% | -19.56% | -15.79% | -1,104 bps | |
| Net Interest Margin | 3.90% | 3.85% | 3.43% | 3.56% | 3.67% | 3.57% | 3.37% | 3.43% | -13 bps | |
| Efficiency Ratio | 87.33% | 88.84% | 102.75% | 103.27% | 104.47% | 105.40% | 123.37% | 113.62% | +1,035 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.22% | 1.03% | 3.77% | -0.25% | -2.27% | 1.10% | -1.29% | 2.26% | +250 bps | |
| Loan Growth (YoY) | -2.24% | -3.88% | -6.11% | -6.65% | -7.79% | -7.97% | -6.58% | -4.54% | +210 bps | |
| Share Growth (YoY) | 7.12% | 4.12% | 4.00% | 0.18% | -2.13% | 2.58% | 0.58% | 4.67% | +449 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.11% | 1.65% | 0.94% | 1.82% | 2.54% | 1.83% | 0.94% | 2.12% | +29 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 | 10.01% | 9.92% | 9.40% | 9.58% | 9.60% | 8.68% | 8.10% | 7.87% | -172 bps | |
| Net Worth / Assets | 10.01% | 9.92% | 9.40% | 9.58% | 9.60% | 8.68% | 8.10% | 7.87% | -172 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.42% | 80.50% | 74.22% | 76.22% | 75.77% | 72.22% | 68.94% | 69.51% | -671 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Greensboro, NC · Charter 24840 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
-1.24%
Rank 1,625 of 1,683
Net Interest Margin
3.43%
Rank 1,182 of 1,683
Efficiency Ratio
113.65%
Rank 1,624 of 1,682
Equity / Assets
7.87%
Rank 1,630 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.24% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,625 / 1,683 | ||
| Return on Equity | -15.79% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,644 / 1,681 | ||
| Net Interest Margin | 3.43% | 3.31% | 3.82% | 4.32% | Beats 30% | 1,182 / 1,683 | ||
| Efficiency Ratio | 113.65% | 68.91% | 78.20% | 86.93% | Beats 4% | 1,624 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.12% | 0.26% | 0.65% | 1.29% | Beats 13% | 1,468 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.87% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,630 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.87% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,630 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.51% | 52.61% | 69.38% | 83.50% | 50th pctl | 835 / 1,683 | ||
| Loans / Assets | 61.78% | 44.71% | 59.18% | 70.72% | 56th pctl | 740 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||