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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |