Canton, NC · Charter 60721
NCUA · 8 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
43
Asset Quality
77
Profitability
57
Liquidity
0
Efficiency
47
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.
Canton, NC · Charter 60721
NCUA · 8 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 | 0.91% | 0.92% | 0.91% | 0.57% | 0.81% | -10 bps | |
| Return on Equity | 8.03% | 7.96% | 7.73% | 4.82% | 6.60% | -143 bps | |
| Net Interest Margin | 3.91% | 3.89% | 3.91% | 3.90% | 3.98% | +7 bps | |
| Efficiency Ratio | 73.92% | 74.54% | 74.98% | 81.15% | 79.14% | +522 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.23% | 3.87% | 0.95% | 1.14% | -0.46% | -169 bps | |
| Loan Growth (YoY) | -1.39% | 0.96% | 4.74% | 5.91% | 5.11% | +651 bps | |
| Share Growth (YoY) | 6.56% | 6.84% | 3.53% | 1.32% | -0.51% | -708 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.73% | 0.56% | 0.28% | 0.24% | -46 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 | 11.33% | 11.56% | 11.74% | 11.87% | 12.20% | +87 bps | |
| Net Worth / Assets | 11.33% | 11.56% | 11.74% | 11.87% | 12.20% | +87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.15% | 91.30% | 92.59% | 92.11% | 95.25% | +510 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Canton, NC · Charter 60721 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.81%
Rank 778 of 1,683
Net Interest Margin
3.98%
Rank 685 of 1,683
Efficiency Ratio
79.14%
Rank 891 of 1,682
Equity / Assets
12.20%
Rank 962 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.35% | 0.74% | 1.18% | Beats 54% | 778 / 1,683 | |
| Return on Equity | 6.60% | 2.67% | 5.89% | 8.74% | Beats 57% | 724 / 1,681 | |
| Net Interest Margin | 3.98% | 3.31% | 3.82% | 4.32% | Beats 59% | 685 / 1,683 | |
| Efficiency Ratio | 79.14% | 68.91% | 78.20% | 86.93% | Beats 47% | 891 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 393 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.20% | 10.44% | 12.89% | 16.53% | Beats 43% | 962 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.20% | 10.44% | 12.89% | 16.53% | Beats 43% | 962 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.25% | 52.61% | 69.38% | 83.50% | 93rd pctl | 112 / 1,683 | |
| Loans / Assets | 80.87% | 44.71% | 59.18% | 70.72% | 93rd pctl | 118 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||