Winston Salem, NC · Charter 60160
NCUA · 6 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
7
Asset Quality
59
Profitability
10
Liquidity
95
Efficiency
4
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 60160
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.46% | -0.53% | 0.03% | -0.47% | -0.51% | -5 bps | |
| Return on Equity | -5.60% | -6.62% | 0.36% | -5.57% | -5.91% | -31 bps | |
| Net Interest Margin | 2.95% | 2.97% | 3.01% | 2.98% | 3.12% | +18 bps | |
| Efficiency Ratio | 109.65% | 111.24% | 98.48% | 109.60% | 109.97% | +32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.57% | -1.36% | -0.07% | -3.07% | -4.89% | -232 bps | |
| Loan Growth (YoY) | -2.64% | 0.34% | -0.40% | -1.52% | -6.32% | -368 bps | |
| Share Growth (YoY) | -3.06% | -1.74% | -1.69% | -1.94% | -0.42% | +264 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.55% | 0.65% | 0.56% | 0.50% | -3 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 | 8.12% | 7.97% | 8.37% | 8.35% | 8.55% | +43 bps | |
| Net Worth / Assets | 8.12% | 7.97% | 8.37% | 8.35% | 8.55% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.99% | 76.66% | 76.36% | 73.12% | 70.55% | -444 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Winston Salem, NC · Charter 60160 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
-0.51%
Rank 1,576 of 1,683
Net Interest Margin
3.12%
Rank 1,376 of 1,683
Efficiency Ratio
109.97%
Rank 1,610 of 1,682
Equity / Assets
8.55%
Rank 1,564 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.51% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,576 / 1,683 | |
| Return on Equity | -5.91% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,599 / 1,681 | |
| Net Interest Margin | 3.12% | 3.31% | 3.82% | 4.32% | Beats 18% | 1,376 / 1,683 | |
| Efficiency Ratio | 109.97% | 68.91% | 78.20% | 86.93% | Beats 4% | 1,610 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.26% | 0.65% | 1.29% | Beats 59% | 691 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.55% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,564 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.55% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,564 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.55% | 52.61% | 69.38% | 83.50% | 52nd pctl | 808 / 1,683 | |
| Loans / Assets | 65.71% | 44.71% | 59.18% | 70.72% | 64th pctl | 610 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||