Asheville, NC · Charter 62114
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 | 1.48% | 0.98% | 1.40% | 1.37% | 1.11% | 0.87% | 0.74% | 0.56% | -82 bps | |
| Return on Equity | 11.07% | 7.72% | 10.69% | 9.94% | 7.80% | 6.31% | 5.29% | 3.88% | -606 bps | |
| Net Interest Margin | 4.15% | 4.01% | 4.01% | 4.08% | 4.25% | 4.07% | 3.91% | 3.90% | -17 bps | |
| Efficiency Ratio | 68.21% | 70.03% | 68.96% | 70.05% | 71.03% | 76.70% | 83.03% | 87.38% | +1,733 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.09% | 3.27% | 7.12% | 2.95% | -0.53% | -1.80% | -2.11% | -0.78% | -373 bps | |
| Loan Growth (YoY) | -5.90% | -10.74% | -10.67% | -7.58% | -8.88% | -6.27% | -10.49% | -11.44% | -386 bps | |
| Share Growth (YoY) | -1.51% | 2.72% | 7.21% | 2.16% | -1.66% | -2.97% | -3.25% | -1.28% | -344 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.64% | 1.36% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.04% | 0.70% | 0.06% | 0.06% | 0.47% | 0.47% | 0.49% | 0.51% | +46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.37% | 12.64% | 13.07% | 13.83% | 14.19% | 13.74% | 14.06% | 14.42% | +59 bps | |
| Net Worth / Assets | 13.37% | 12.64% | 13.07% | 13.83% | 14.19% | 13.74% | 14.06% | 14.42% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.47% | 59.05% | 59.93% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |