Charlotte, NC · Charter 63519
NCUA · 1 branch
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 | -1.93% | -1.93% | -2.14% | -1.90% | -1.80% | -1.64% | -0.97% | -1.16% | +74 bps | |
| Return on Equity | -12.84% | -13.44% | -16.05% | -15.12% | -14.30% | -13.91% | -8.59% | -10.51% | +460 bps | |
| Net Interest Margin | 3.38% | 3.45% | 3.49% | 3.52% | 3.69% | 3.65% | 3.57% | 3.69% | +17 bps | |
| Efficiency Ratio | 143.80% | 142.19% | 126.83% | 132.12% | 130.54% | 128.50% | 122.76% | 125.31% | -681 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.40% | -3.63% | 0.83% | 6.18% | 2.22% | 4.70% | 3.42% | -0.36% | -654 bps | |
| Loan Growth (YoY) | 2.17% | 5.18% | 12.76% | 17.69% | 20.83% | 10.49% | 8.64% | 7.99% | -969 bps | |
| Share Growth (YoY) | -4.21% | -1.19% | 3.86% | 9.00% | 5.04% | 7.64% | 5.80% | 1.32% | -768 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.42% | 0.26% | 0.14% | 0.05% | 0.21% | 0.34% | 0.19% | +5 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 | 15.04% | 14.35% | 13.32% | 12.55% | 12.58% | 11.77% | 11.26% | 11.04% | -151 bps | |
| Net Worth / Assets | 15.04% | 14.35% | 13.32% | 12.55% | 12.58% | 11.77% | 11.26% | 11.04% | -151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.73% | 84.91% | 86.26% | 86.07% | 89.41% | 87.15% | 88.57% | 91.74% | +567 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |