Greenville, NC · Charter 62985
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 | -0.36% | -0.33% | 0.25% | 0.25% | 0.40% | 0.37% | 0.55% | 0.24% | -1 bps | |
| Return on Equity | -2.05% | -1.82% | 1.37% | 1.37% | 2.14% | 2.02% | 3.00% | 1.34% | -3 bps | |
| Net Interest Margin | 4.16% | 4.31% | 4.23% | 4.48% | 4.70% | 4.65% | 4.56% | 4.48% | 0 bps | |
| Efficiency Ratio | 107.52% | 105.40% | 94.41% | 90.53% | 88.75% | 92.29% | 87.58% | 94.44% | +391 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.20% | -5.91% | -3.39% | -2.75% | -4.29% | 0.11% | 0.25% | 3.63% | +638 bps | |
| Loan Growth (YoY) | 7.42% | 17.45% | 22.72% | 19.97% | 9.72% | 0.77% | 7.49% | 7.79% | -1,218 bps | |
| Share Growth (YoY) | -7.09% | -6.72% | -4.24% | -3.53% | -5.54% | -1.38% | -0.25% | 4.08% | +761 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.13% | +13 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 | 17.63% | 18.12% | 17.87% | 18.16% | 18.68% | 18.45% | 18.24% | 17.82% | -35 bps | |
| Net Worth / Assets | 17.63% | 18.12% | 17.87% | 18.16% | 18.68% | 18.45% | 18.24% | 17.82% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.59% | 78.98% | 78.06% | 80.42% | 83.15% | 80.70% | 84.12% | 83.28% | +286 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |