Goldsboro, NC · Charter 62673
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 | 0.06% | 0.05% | -0.67% | -0.49% | -0.63% | -0.12% | -2.07% | -1.29% | -80 bps | |
| Return on Equity | 0.70% | 0.56% | -7.80% | -5.31% | -7.02% | -1.35% | -23.96% | -14.98% | -967 bps | |
| Net Interest Margin | 3.67% | 3.74% | 3.57% | 4.09% | 4.14% | 4.34% | 4.20% | 4.25% | +16 bps | |
| Efficiency Ratio | 95.64% | 94.43% | 103.44% | 98.18% | 98.71% | 95.58% | 99.60% | 100.94% | +275 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.03% | 12.59% | 2.17% | -6.71% | -10.29% | -9.28% | -8.01% | -0.67% | +605 bps | |
| Loan Growth (YoY) | 6.45% | 3.91% | 3.32% | 3.06% | 0.80% | 0.83% | 0.19% | -0.02% | -308 bps | |
| Share Growth (YoY) | 17.10% | 14.05% | 2.85% | -6.88% | -10.66% | -9.92% | -8.15% | 0.35% | +723 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.60% | 4.85% | 3.03% | 3.88% | 6.61% | 4.87% | 6.99% | 5.79% | +191 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 | 8.70% | 8.65% | 8.56% | 9.29% | 9.00% | 9.19% | 8.63% | 8.61% | -68 bps | |
| Net Worth / Assets | 8.70% | 8.65% | 8.56% | 9.29% | 9.00% | 9.19% | 8.63% | 8.61% | -68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.89% | 83.50% | 84.14% | 93.54% | 92.39% | 93.47% | 91.79% | 93.20% | -34 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |