Greensboro, NC · Charter 63445
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
2
Profitability
30
Liquidity
23
Efficiency
7
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Greensboro, NC · Charter 63445
NCUA · 3 branches
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 | 0.28% | 0.21% | 0.06% | 0.03% | 0.04% | 0.17% | 0.12% | -0.02% | -5 bps | |
| Return on Equity | 0.90% | 0.68% | 0.20% | 0.11% | 0.13% | 0.51% | 0.37% | -0.05% | -16 bps | |
| Net Interest Margin | 4.24% | 4.36% | 4.03% | 4.17% | 4.36% | 4.36% | 4.07% | 4.18% | +1 bps | |
| Efficiency Ratio | 88.78% | 89.97% | 100.01% | 96.74% | 96.44% | 92.63% | 97.12% | 100.60% | +385 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.72% | -4.17% | 0.03% | -1.12% | -5.53% | -4.84% | -9.01% | -9.25% | -813 bps | |
| Loan Growth (YoY) | 0.18% | -4.24% | -6.60% | -3.99% | -2.47% | 3.75% | 2.21% | 0.43% | +442 bps | |
| Share Growth (YoY) | -6.77% | -6.36% | -0.28% | -1.87% | -8.11% | -5.68% | -13.14% | -13.64% | -1,176 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.80% | 1.96% | 2.05% | 2.95% | 4.49% | 3.01% | 3.55% | 5.89% | +294 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 | 30.84% | 31.38% | 30.78% | 31.34% | 32.30% | 32.76% | 33.62% | 34.29% | +295 bps | |
| Net Worth / Assets | 30.84% | 31.38% | 30.78% | 31.34% | 32.30% | 32.76% | 33.62% | 34.29% | +295 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.95% | 73.66% | 71.05% | 74.65% | 79.55% | 81.02% | 83.61% | 86.80% | +1,216 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Greensboro, NC · Charter 63445 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.01%
Rank 1,492 of 1,683
Net Interest Margin
4.18%
Rank 525 of 1,683
Efficiency Ratio
100.55%
Rank 1,565 of 1,682
Equity / Assets
34.29%
Rank 28 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.01% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,492 / 1,683 | ||
| Return on Equity | -0.04% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,489 / 1,681 | ||
| Net Interest Margin | 4.18% | 3.31% | 3.82% | 4.32% | Beats 69% | 525 / 1,683 | ||
| Efficiency Ratio | 100.55% | 68.91% | 78.20% | 86.93% | Beats 7% | 1,565 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 5.89% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,643 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 34.29% | 10.44% | 12.89% | 16.53% | Beats 98% | 28 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 34.29% | 10.44% | 12.89% | 16.53% | Beats 98% | 28 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.80% | 52.61% | 69.38% | 83.50% | 81st pctl | 328 / 1,683 | ||
| Loans / Assets | 56.50% | 44.71% | 59.18% | 70.72% | 44th pctl | 938 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||