Charlotte, NC · Charter 63425
NCUA · 6 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 | 0.13% | 0.10% | 0.03% | 0.29% | 0.38% | 0.33% | 0.40% | 0.36% | +6 bps | |
| Return on Equity | 0.77% | 0.60% | 0.17% | 1.73% | 2.16% | 1.92% | 2.30% | 2.02% | +28 bps | |
| Net Interest Margin | 3.67% | 3.68% | 3.64% | 3.76% | 3.92% | 3.86% | 3.93% | 3.91% | +15 bps | |
| Efficiency Ratio | 93.13% | 91.99% | 95.32% | 92.94% | 91.07% | 91.04% | 91.86% | 92.83% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.60% | -0.20% | -0.74% | 0.83% | -1.70% | 0.31% | -0.94% | -0.23% | -106 bps | |
| Loan Growth (YoY) | 3.19% | 4.00% | 4.40% | 6.06% | 4.60% | 5.96% | 3.86% | 0.81% | -525 bps | |
| Share Growth (YoY) | -2.27% | 0.02% | -0.80% | -0.04% | -2.50% | -0.97% | -1.53% | -0.80% | -76 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.71% | 0.66% | 0.58% | 0.63% | 0.25% | 0.42% | 0.56% | -2 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 | 16.91% | 16.80% | 16.63% | 16.85% | 17.46% | 17.05% | 17.58% | 17.65% | +80 bps | |
| Net Worth / Assets | 16.91% | 16.80% | 16.63% | 16.85% | 17.46% | 17.05% | 17.58% | 17.65% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.18% | 72.00% | 72.72% | 75.45% | 77.44% | 77.03% | 76.70% | 76.67% | +122 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |