PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Charlotte Fire Department

Charlotte, NC · Charter 63566

NCUA · 1 branch

Q2 2026

$56.0MAssets
$18.8MLoans
$47.8MShares
$7.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.87%, up 20 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 1.59% of loans (+35 bps YoY).
  • Capital: net worth / assets of 14.00%, up 46 bps from a year ago.
  • Funding: loans stand at 39.40% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.87%+20 bps YoY

Net Interest Margin (quarter, annualized)

3.62%+17 bps YoY

Efficiency Ratio (quarter, annualized)

78.23%-350 bps YoY

Net Worth / Assets

14.00%+46 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.15%0.09%0.56%0.67%1.01%1.04%0.93%0.87%+20 bps
Return on Equity-1.15%0.64%4.18%4.95%7.22%7.34%6.56%6.22%+126 bps
Net Interest Margin2.90%2.88%3.29%3.45%3.57%3.60%3.59%3.62%+17 bps
Efficiency Ratio104.46%96.38%85.16%81.73%78.79%77.88%77.00%78.23%-350 bps
Growth
Asset Growth (YoY)-3.14%1.92%2.95%2.37%2.27%1.84%1.98%5.07%+270 bps
Loan Growth (YoY)-5.77%-7.58%-3.94%-6.53%-0.49%-1.16%-7.91%-9.23%-270 bps
Share Growth (YoY)-4.96%1.08%1.75%1.10%-0.07%0.32%0.20%4.13%+303 bps
Asset Quality
Delinquent Loans / Loans0.80%1.01%0.96%1.24%1.52%1.30%1.20%1.59%+35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.32%13.35%13.29%13.54%13.97%14.14%14.15%14.00%+46 bps
Net Worth / Assets13.32%13.35%13.29%13.54%13.97%14.14%14.15%14.00%+46 bps
Liquidity & Funding
Loans / Shares46.76%45.16%45.36%45.20%46.57%44.49%41.69%39.40%-580 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps