Greensboro, NC · Charter 63020
NCUA · 8 branches
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 | 0.59% | 0.51% | 0.77% | 0.79% | 0.91% | +32 bps | |
| Return on Equity | 3.95% | 3.43% | 4.98% | 5.21% | 5.88% | +193 bps | |
| Net Interest Margin | 4.45% | 4.44% | 4.51% | 4.48% | 4.57% | +12 bps | |
| Efficiency Ratio | 76.34% | 76.53% | 72.76% | 69.48% | 68.35% | -798 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.61% | 5.04% | 3.11% | 2.45% | 1.81% | -281 bps | |
| Loan Growth (YoY) | 4.90% | 3.26% | 1.26% | 1.44% | 0.43% | -447 bps | |
| Share Growth (YoY) | 3.61% | 4.37% | 2.39% | 1.68% | 1.24% | -237 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 0.63% | 0.93% | 1.19% | 0.71% | -4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.87% | 14.97% | 15.43% | 15.16% | 15.44% | +57 bps | |
| Net Worth / Assets | 14.87% | 14.97% | 15.43% | 15.16% | 15.44% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.92% | 79.20% | 79.86% | 77.56% | 78.29% | -63 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |