Durham, NC · Charter 63595
NCUA · 1 branch
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 | -0.48% | 1.57% | 2.13% | 1.21% | 2.15% | +263 bps | |
| Return on Equity | -1.35% | 4.32% | 5.86% | 3.36% | 5.70% | +704 bps | |
| Net Interest Margin | 4.26% | 4.53% | 4.36% | 4.63% | 4.29% | +3 bps | |
| Efficiency Ratio | 65.56% | 40.96% | 34.94% | 75.66% | 54.37% | -1,119 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.39% | 2.50% | 4.95% | 6.20% | 10.02% | +763 bps | |
| Loan Growth (YoY) | -40.15% | -43.87% | -50.26% | -15.04% | -32.40% | +776 bps | |
| Share Growth (YoY) | 5.02% | 4.64% | 5.43% | 5.45% | 6.24% | +122 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 8.98% | 9.58% | 51.79% | 44.46% | 9.47% | +50 bps | |
| Capital | |||||||
| Risk-Based Capital | 35.32% | 36.32% | 36.36% | 36.18% | 37.73% | +241 bps | |
| Net Worth / Assets | 35.32% | 36.32% | 36.36% | 36.18% | 37.73% | +241 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |