Kinston, NC · Charter 64034
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 | 0.65% | 0.51% | 0.01% | 0.04% | 0.03% | -0.80% | 0.06% | -0.49% | -53 bps | |
| Return on Equity | 4.62% | 3.59% | 0.07% | 0.29% | 0.25% | -6.31% | 0.49% | -3.94% | -423 bps | |
| Net Interest Margin | 3.80% | 3.77% | 3.51% | 3.71% | 3.79% | 3.77% | 3.66% | 3.71% | 0 bps | |
| Efficiency Ratio | 79.80% | 82.00% | 80.04% | 81.31% | 83.58% | 84.14% | 87.01% | 88.59% | +727 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.61% | -1.07% | 2.94% | 0.76% | 0.86% | 2.50% | -2.43% | -0.24% | -100 bps | |
| Loan Growth (YoY) | 10.25% | 9.78% | 18.25% | 1.82% | 0.00% | -1.38% | -10.81% | -5.27% | -709 bps | |
| Share Growth (YoY) | -1.48% | -1.45% | 3.25% | 1.15% | 1.28% | 4.36% | -1.43% | 1.11% | -4 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.34% | 4.46% | 2.70% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.98% | 14.17% | 13.52% | 13.42% | 13.55% | 12.68% | 12.72% | 12.39% | -103 bps | |
| Net Worth / Assets | 13.98% | 14.17% | 13.52% | 13.42% | 13.55% | 12.68% | 12.72% | 12.39% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.43% | 80.76% | 81.49% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |