Durham, NC · Charter 63595
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |