Marion, NC · Charter 60149
NCUA · 1 branch
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 | 1.07% | 1.18% | 1.05% | 1.54% | 1.64% | 1.20% | 1.30% | 1.31% | -23 bps | |
| Return on Equity | 6.33% | 6.98% | 6.27% | 8.90% | 9.26% | 6.90% | 7.24% | 7.37% | -153 bps | |
| Net Interest Margin | 3.71% | 3.80% | 3.99% | 4.23% | 4.18% | 3.77% | 4.05% | 3.90% | -33 bps | |
| Efficiency Ratio | 76.94% | 74.46% | 73.86% | 64.51% | 63.61% | 69.08% | 62.60% | 62.55% | -197 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.90% | 5.22% | 8.66% | 5.39% | 4.89% | 3.73% | 0.34% | 3.33% | -205 bps | |
| Loan Growth (YoY) | 41.24% | 33.57% | 35.02% | 13.04% | 2.36% | -1.62% | -6.65% | -4.47% | -1,752 bps | |
| Share Growth (YoY) | 2.10% | 5.97% | 8.85% | 4.25% | 3.71% | 1.99% | -1.16% | 1.92% | -233 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.88% | 0.22% | 0.43% | 0.75% | 0.84% | 0.88% | 2.53% | +210 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 | 16.97% | 16.92% | 16.78% | 17.28% | 17.69% | 17.42% | 17.91% | 17.72% | +44 bps | |
| Net Worth / Assets | 16.97% | 16.92% | 16.78% | 17.28% | 17.69% | 17.42% | 17.91% | 17.72% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.74% | 76.98% | 78.16% | 77.50% | 76.72% | 74.26% | 73.82% | 72.64% | -486 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |