Winston Salem, NC · Charter 60002
NCUA · 17 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
66
Asset Quality
42
Profitability
67
Liquidity
25
Efficiency
79
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.
Winston Salem, NC · Charter 60002
NCUA · 17 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 | 1.18% | 1.08% | 0.78% | 1.04% | 1.01% | 0.99% | 0.75% | 1.06% | +2 bps | |
| Return on Equity | 8.17% | 7.45% | 5.48% | 7.21% | 6.87% | 6.67% | 5.20% | 7.13% | -9 bps | |
| Net Interest Margin | 4.30% | 4.33% | 4.11% | 4.17% | 4.18% | 4.22% | 4.11% | 4.20% | +4 bps | |
| Efficiency Ratio | 64.10% | 65.41% | 69.25% | 66.46% | 67.02% | 67.27% | 69.53% | 66.95% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.44% | 0.79% | 2.24% | 3.95% | 4.81% | 4.94% | 6.09% | 3.98% | +3 bps | |
| Loan Growth (YoY) | -0.95% | -2.42% | -2.04% | -2.17% | -0.29% | -0.07% | -0.06% | 1.63% | +380 bps | |
| Share Growth (YoY) | -2.87% | -0.39% | 1.13% | 3.28% | 4.25% | 4.59% | 6.39% | 3.46% | +19 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 1.07% | 0.77% | 1.02% | 1.07% | 1.14% | 0.95% | 0.82% | -20 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 | 14.39% | 14.54% | 14.25% | 14.43% | 14.64% | 14.82% | 14.35% | 14.83% | +40 bps | |
| Net Worth / Assets | 14.39% | 14.54% | 14.25% | 14.43% | 14.64% | 14.82% | 14.35% | 14.83% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.31% | 50.00% | 48.20% | 47.32% | 48.12% | 47.78% | 45.27% | 46.48% | -84 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Winston Salem, NC · Charter 60002 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 17 branches
Q2 2026
Return on Assets
1.06%
Rank 537 of 1,683
Net Interest Margin
4.20%
Rank 508 of 1,683
Efficiency Ratio
66.95%
Rank 357 of 1,682
Equity / Assets
14.83%
Rank 567 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.35% | 0.74% | 1.18% | Beats 68% | 537 / 1,683 | ||
| Return on Equity | 7.13% | 2.67% | 5.89% | 8.74% | Beats 62% | 636 / 1,681 | ||
| Net Interest Margin | 4.20% | 3.31% | 3.82% | 4.32% | Beats 70% | 508 / 1,683 | ||
| Efficiency Ratio | 66.95% | 68.91% | 78.20% | 86.93% | Beats 79% | 357 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.82% | 0.26% | 0.65% | 1.29% | Beats 42% | 972 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.83% | 10.44% | 12.89% | 16.53% | Beats 66% | 567 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.83% | 10.44% | 12.89% | 16.53% | Beats 66% | 567 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.48% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,381 / 1,683 | ||
| Loans / Assets | 39.38% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,380 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||