PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Guco

Greenville, NC · Charter 62985

NCUA · 1 branch

Q2 2026

$10.2MAssets
$7.0MLoans
$8.4MShares
$1.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.24%, down 1 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.13% of loans (+13 bps YoY).
  • Capital: net worth / assets of 17.82%, down 35 bps from a year ago.
  • Funding: loans stand at 83.28% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.24%-1 bps YoY

Net Interest Margin (YTD, annualized)

4.48%0 bps YoY

Efficiency Ratio (YTD, annualized)

94.44%+391 bps YoY

Net Worth / Assets

17.82%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.40%0.37%0.55%0.24%-1 bps
Return on Equity1.37%2.14%2.02%3.00%1.34%-3 bps
Net Interest Margin4.48%4.70%4.65%4.56%4.48%0 bps
Efficiency Ratio90.53%88.75%92.29%87.58%94.44%+391 bps
Growth
Asset Growth (YoY)-2.75%-4.29%0.11%0.25%3.63%+638 bps
Loan Growth (YoY)19.97%9.72%0.77%7.49%7.79%-1,218 bps
Share Growth (YoY)-3.53%-5.54%-1.38%-0.25%4.08%+761 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.01%0.00%0.13%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.16%18.68%18.45%18.24%17.82%-35 bps
Net Worth / Assets18.16%18.68%18.45%18.24%17.82%-35 bps
Liquidity & Funding
Loans / Shares80.42%83.15%80.70%84.12%83.28%+286 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps