Monroe, NC · Charter 60660
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 | 1.60% | 1.67% | 1.29% | 1.39% | 1.30% | 1.76% | 0.79% | 1.07% | -32 bps | |
| Return on Equity | 9.32% | 9.50% | 7.44% | 7.84% | 7.33% | 9.16% | 4.48% | 6.10% | -174 bps | |
| Net Interest Margin | 4.39% | 4.38% | 4.46% | 4.49% | 4.48% | 4.63% | 4.26% | 4.23% | -26 bps | |
| Efficiency Ratio | 74.08% | 73.22% | 78.71% | 77.46% | 78.16% | 72.77% | 80.99% | 78.00% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.05% | 4.63% | -1.35% | 3.38% | 4.71% | 0.68% | 7.89% | 10.01% | +662 bps | |
| Loan Growth (YoY) | -1.76% | -0.16% | -1.34% | -0.03% | 0.54% | -2.91% | -2.19% | 1.65% | +168 bps | |
| Share Growth (YoY) | 8.37% | 4.93% | -4.64% | 1.27% | 1.42% | 0.41% | 10.31% | 9.82% | +855 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.29% | 0.18% | 0.26% | 0.16% | 0.40% | 0.28% | 0.09% | -17 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 | 0.49% | 0.46% | 0.44% | 0.36% | 0.42% | 0.34% | 0.50% | 0.32% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.18% | 17.54% | 17.38% | 17.74% | 17.73% | 19.18% | 17.60% | 17.59% | -15 bps | |
| Net Worth / Assets | 17.18% | 17.54% | 17.38% | 17.74% | 17.73% | 19.18% | 17.60% | 17.59% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.10% | 74.96% | 75.84% | 74.49% | 73.46% | 72.48% | 67.24% | 68.95% | -554 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |