PackageTrendsPeer
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Greater Kinston

Kinston, NC · Charter 64034

NCUA · 1 branch

Q2 2026

$14.3MAssets
$9.6MLoans
$12.4MShares
$1.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.49%, down 53 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 1.28% of loans (-114 bps YoY).
  • Capital: net worth / assets of 12.39%, down 103 bps from a year ago.
  • Funding: loans stand at 76.89% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.49%-53 bps YoY

Net Interest Margin (YTD, annualized)

3.71%0 bps YoY

Efficiency Ratio (YTD, annualized)

88.59%+727 bps YoY

Net Worth / Assets

12.39%-103 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.04%0.03%-0.80%0.06%-0.49%-53 bps
Return on Equity0.29%0.25%-6.31%0.49%-3.94%-423 bps
Net Interest Margin3.71%3.79%3.77%3.66%3.71%0 bps
Efficiency Ratio81.31%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 / Loans2.42%1.80%2.29%1.16%1.28%-114 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.42%13.55%12.68%12.72%12.39%-103 bps
Net Worth / Assets13.42%13.55%12.68%12.72%12.39%-103 bps
Liquidity & Funding
Loans / Shares82.07%80.40%76.32%73.73%76.89%-518 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps