Winston Salem, NC · Charter 60002
NCUA · 17 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 1.01% | 0.99% | 0.75% | 1.06% | +2 bps | |
| Return on Equity | 7.21% | 6.87% | 6.67% | 5.20% | 7.13% | -9 bps | |
| Net Interest Margin | 4.17% | 4.18% | 4.22% | 4.11% | 4.20% | +4 bps | |
| Efficiency Ratio | 66.46% | 67.02% | 67.27% | 69.53% | 66.95% | +49 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.95% | 4.81% | 4.94% | 6.09% | 3.98% | +3 bps | |
| Loan Growth (YoY) | -2.17% | -0.29% | -0.07% | -0.06% | 1.63% | +380 bps | |
| Share Growth (YoY) | 3.28% | 4.25% | 4.59% | 6.39% | 3.46% | +19 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.43% | 14.64% | 14.82% | 14.35% | 14.83% | +40 bps | |
| Net Worth / Assets | 14.43% | 14.64% | 14.82% | 14.35% | 14.83% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |