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 | |