Kinston, NC · Charter 64034
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
45
Asset Quality
25
Profitability
19
Liquidity
67
Efficiency
21
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.
Kinston, NC · Charter 64034
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 | 0.04% | 0.03% | -0.80% | 0.06% | -0.49% | -53 bps | |
| Return on Equity | 0.29% | 0.25% | -6.31% | 0.49% | -3.94% | -423 bps | |
| Net Interest Margin | 3.71% | 3.79% | 3.77% | 3.66% | 3.71% | 0 bps | |
| Efficiency Ratio | 81.31% | 83.58% | 84.14% | 87.01% | 88.59% | +727 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.76% | 0.86% | 2.50% | -2.43% | -0.24% | -100 bps | |
| Loan Growth (YoY) | 1.82% | 0.00% | -1.38% | -10.81% | -5.27% | -709 bps | |
| Share Growth (YoY) | 1.15% | 1.28% | 4.36% | -1.43% | 1.11% | -4 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.42% | 1.80% | 2.29% | 1.16% | 1.28% | -114 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 | 13.42% | 13.55% | 12.68% | 12.72% | 12.39% | -103 bps | |
| Net Worth / Assets | 13.42% | 13.55% | 12.68% | 12.72% | 12.39% | -103 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.07% | 80.40% | 76.32% | 73.73% | 76.89% | -518 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kinston, NC · Charter 64034 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.49%
Rank 1,575 of 1,683
Net Interest Margin
3.71%
Rank 928 of 1,683
Efficiency Ratio
88.46%
Rank 1,324 of 1,682
Equity / Assets
12.39%
Rank 934 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.49% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,575 / 1,683 | |
| Return on Equity | -3.94% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,583 / 1,681 | |
| Net Interest Margin | 3.71% | 3.31% | 3.82% | 4.32% | Beats 45% | 928 / 1,683 | |
| Efficiency Ratio | 88.46% | 68.91% | 78.20% | 86.93% | Beats 21% | 1,324 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.27% | 0.26% | 0.65% | 1.29% | Beats 25% | 1,259 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.39% | 10.44% | 12.89% | 16.53% | Beats 45% | 934 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.39% | 10.44% | 12.89% | 16.53% | Beats 45% | 934 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.89% | 52.61% | 69.38% | 83.50% | 63rd pctl | 616 / 1,683 | |
| Loans / Assets | 66.78% | 44.71% | 59.18% | 70.72% | 66th pctl | 571 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||