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 | |