Greensboro, NC · Charter 63020
NCUA · 8 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.86% | 0.63% | 0.59% | 0.51% | 0.77% | 0.79% | 0.91% | +32 bps | |
| Return on Equity | 6.62% | 5.68% | 4.28% | 3.95% | 3.43% | 4.98% | 5.21% | 5.88% | +193 bps | |
| Net Interest Margin | 4.28% | 4.28% | 4.29% | 4.45% | 4.44% | 4.51% | 4.48% | 4.57% | +12 bps | |
| Efficiency Ratio | 77.29% | 77.82% | 78.15% | 76.34% | 76.53% | 72.76% | 69.48% | 68.35% | -798 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.58% | 3.31% | 3.00% | 4.61% | 5.04% | 3.11% | 2.45% | 1.81% | -281 bps | |
| Loan Growth (YoY) | 8.17% | 6.94% | 6.09% | 4.90% | 3.26% | 1.26% | 1.44% | 0.43% | -447 bps | |
| Share Growth (YoY) | 0.05% | 1.33% | 1.66% | 3.61% | 4.37% | 2.39% | 1.68% | 1.24% | -237 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.13% | 0.68% | 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 | 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 | 15.30% | 15.20% | 14.80% | 14.87% | 14.97% | 15.43% | 15.16% | 15.44% | +57 bps | |
| Net Worth / Assets | 15.30% | 15.20% | 14.80% | 14.87% | 14.97% | 15.43% | 15.16% | 15.44% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.05% | 80.75% | 77.74% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |