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 | |