Asheville, NC · Charter 62114
NCUA · 1 branch
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
64
Asset Quality
48
Profitability
42
Liquidity
53
Efficiency
24
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.
Asheville, NC · Charter 62114
NCUA · 1 branch
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 | 1.37% | 1.11% | 0.87% | 0.74% | 0.56% | -82 bps | |
| Return on Equity | 9.94% | 7.80% | 6.31% | 5.29% | 3.88% | -606 bps | |
| Net Interest Margin | 4.08% | 4.25% | 4.07% | 3.91% | 3.90% | -17 bps | |
| Efficiency Ratio | 70.05% | 71.03% | 76.70% | 83.03% | 87.38% | +1,733 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.95% | -0.53% | -1.80% | -2.11% | -0.78% | -373 bps | |
| Loan Growth (YoY) | -7.58% | -8.88% | -6.27% | -10.49% | -11.44% | -386 bps | |
| Share Growth (YoY) | 2.16% | -1.66% | -2.97% | -3.25% | -1.28% | -344 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 1.23% | 0.35% | 0.66% | 0.70% | +36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.06% | 0.47% | 0.47% | 0.49% | 0.51% | +46 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.83% | 14.19% | 13.74% | 14.06% | 14.42% | +59 bps | |
| Net Worth / Assets | 13.83% | 14.19% | 13.74% | 14.06% | 14.42% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.13% | 59.73% | 57.04% | 55.45% | 54.84% | -629 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Asheville, NC · Charter 62114 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.56%
Rank 1,058 of 1,683
Net Interest Margin
3.90%
Rank 762 of 1,683
Efficiency Ratio
87.36%
Rank 1,279 of 1,682
Equity / Assets
14.42%
Rank 607 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.35% | 0.74% | 1.18% | Beats 37% | 1,058 / 1,683 | |
| Return on Equity | 3.89% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,108 / 1,681 | |
| Net Interest Margin | 3.90% | 3.31% | 3.82% | 4.32% | Beats 55% | 762 / 1,683 | |
| Efficiency Ratio | 87.36% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,279 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.71% | 0.26% | 0.65% | 1.29% | Beats 48% | 884 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.42% | 10.44% | 12.89% | 16.53% | Beats 64% | 607 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.42% | 10.44% | 12.89% | 16.53% | Beats 64% | 607 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.84% | 52.61% | 69.38% | 83.50% | 28th pctl | 1,216 / 1,683 | |
| Loans / Assets | 46.70% | 44.71% | 59.18% | 70.72% | 28th pctl | 1,207 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||