Candler, NC · Charter 63545
NCUA · 13 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
45
Asset Quality
26
Profitability
66
Liquidity
71
Efficiency
74
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.
Candler, NC · Charter 63545
NCUA · 13 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 1.12% | 1.61% | 1.59% | 1.39% | +22 bps | |
| Return on Equity | 10.37% | 9.76% | 13.30% | 12.95% | 11.16% | +79 bps | |
| Net Interest Margin | 3.23% | 3.28% | 3.33% | 3.36% | 3.38% | +15 bps | |
| Efficiency Ratio | 71.59% | 72.62% | 65.32% | 67.70% | 69.45% | -214 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.84% | 8.73% | 4.70% | 3.15% | 4.52% | -432 bps | |
| Loan Growth (YoY) | 1.62% | 4.44% | 6.22% | 2.05% | 2.32% | +70 bps | |
| Share Growth (YoY) | 9.31% | 8.11% | 3.46% | 1.54% | 2.91% | -640 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.14% | 0.97% | 1.21% | 0.90% | 1.23% | +9 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.28% | 11.47% | 12.13% | 12.26% | 12.43% | +115 bps | |
| Net Worth / Assets | 11.28% | 11.47% | 12.13% | 12.26% | 12.43% | +115 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.95% | 62.29% | 62.40% | 60.49% | 60.60% | -35 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Candler, NC · Charter 63545 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 13 branches
Q2 2026
Return on Assets
1.39%
Rank 296 of 1,683
Net Interest Margin
3.38%
Rank 1,219 of 1,683
Efficiency Ratio
69.45%
Rank 440 of 1,682
Equity / Assets
12.43%
Rank 925 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.39% | 0.35% | 0.74% | 1.18% | Beats 82% | 296 / 1,683 | |
| Return on Equity | 11.16% | 2.67% | 5.89% | 8.74% | Beats 89% | 193 / 1,681 | |
| Net Interest Margin | 3.38% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,219 / 1,683 | |
| Efficiency Ratio | 69.45% | 68.91% | 78.20% | 86.93% | Beats 74% | 440 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.23% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,240 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.43% | 10.44% | 12.89% | 16.53% | Beats 45% | 925 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.43% | 10.44% | 12.89% | 16.53% | Beats 45% | 925 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.60% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,084 / 1,683 | |
| Loans / Assets | 52.38% | 44.71% | 59.18% | 70.72% | 38th pctl | 1,044 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||