Durham, NC · Charter 63595
NCUA · 1 branch
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
99
Asset Quality
100
Profitability
72
Liquidity
0
Efficiency
79
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.
Durham, NC · Charter 63595
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 | 0.90% | 0.08% | -0.59% | -0.48% | 1.57% | 2.13% | 1.21% | 2.15% | +263 bps | |
| Return on Equity | 2.47% | 0.24% | -1.66% | -1.35% | 4.32% | 5.86% | 3.36% | 5.70% | +704 bps | |
| Net Interest Margin | 3.16% | 2.60% | 4.77% | 4.26% | 4.53% | 4.36% | 4.63% | 4.29% | +3 bps | |
| Efficiency Ratio | 71.55% | 96.85% | 34.55% | 65.56% | 40.96% | 34.94% | 75.66% | 54.37% | -1,119 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.07% | -3.40% | -2.03% | 2.39% | 2.50% | 4.95% | 6.20% | 10.02% | +763 bps | |
| Loan Growth (YoY) | 220% | 46.94% | -17.60% | -40.15% | -43.87% | -50.26% | -15.04% | -32.40% | +776 bps | |
| Share Growth (YoY) | -5.41% | -2.22% | -1.85% | 5.02% | 4.64% | 5.43% | 5.45% | 6.24% | +122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.97% | 59.27% | 34.60% | 3.78% | 4.52% | 41.86% | 3.08% | 0.00% | -378 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 | 12.53% | 14.74% | 8.65% | 8.98% | 9.58% | 51.79% | 44.46% | 9.47% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 36.55% | 35.66% | 35.51% | 35.32% | 36.32% | 36.36% | 36.18% | 37.73% | +241 bps | |
| Net Worth / Assets | 36.55% | 35.66% | 35.51% | 35.32% | 36.32% | 36.36% | 36.18% | 37.73% | +241 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.46% | 17.30% | 11.60% | 11.11% | 10.44% | 8.16% | 9.35% | 7.07% | -404 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Durham, NC · Charter 63595 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.61%
Rank 22 of 1,683
Net Interest Margin
3.92%
Rank 741 of 1,683
Efficiency Ratio
66.67%
Rank 350 of 1,682
Equity / Assets
37.91%
Rank 20 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.61% | 0.35% | 0.74% | 1.18% | Beats 99% | 22 / 1,683 | ||
| Return on Equity | 6.90% | 2.67% | 5.89% | 8.74% | Beats 60% | 672 / 1,681 | ||
| Net Interest Margin | 3.92% | 3.31% | 3.82% | 4.32% | Beats 56% | 741 / 1,683 | ||
| Efficiency Ratio | 66.67% | 68.91% | 78.20% | 86.93% | Beats 79% | 350 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 37.91% | 10.44% | 12.89% | 16.53% | Beats 99% | 20 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 37.91% | 10.44% | 12.89% | 16.53% | Beats 99% | 20 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 7.37% | 52.61% | 69.38% | 83.50% | 0th pctl | 1,678 / 1,683 | ||
| Loans / Assets | 4.58% | 44.71% | 59.18% | 70.72% | 0th pctl | 1,680 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||