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 | |