Canton, NC · Charter 60721
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.59% | 0.71% | 0.91% | 0.92% | 0.91% | 0.57% | 0.81% | -10 bps | |
| Return on Equity | 5.74% | 5.40% | 6.39% | 8.03% | 7.96% | 7.73% | 4.82% | 6.60% | -143 bps | |
| Net Interest Margin | 3.90% | 3.79% | 3.86% | 3.91% | 3.89% | 3.91% | 3.90% | 3.98% | +7 bps | |
| Efficiency Ratio | 78.58% | 79.96% | 77.74% | 73.92% | 74.54% | 74.98% | 81.15% | 79.14% | +522 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.74% | -1.36% | -0.65% | 1.23% | 3.87% | 0.95% | 1.14% | -0.46% | -169 bps | |
| Loan Growth (YoY) | 2.70% | -5.46% | -5.99% | -1.39% | 0.96% | 4.74% | 5.91% | 5.11% | +651 bps | |
| Share Growth (YoY) | 15.07% | 1.38% | 5.63% | 6.56% | 6.84% | 3.53% | 1.32% | -0.51% | -708 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.42% | 0.35% | 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 | 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 | 11.21% | 10.97% | 11.16% | 11.33% | 11.56% | 11.74% | 11.87% | 12.20% | +87 bps | |
| Net Worth / Assets | 11.21% | 10.97% | 11.16% | 11.33% | 11.56% | 11.74% | 11.87% | 12.20% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.62% | 91.52% | 88.12% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |