Rural Hall, NC · Charter 65384
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
77
Asset Quality
26
Profitability
45
Liquidity
71
Efficiency
22
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.
Rural Hall, NC · Charter 65384
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 | -0.34% | -0.08% | 0.84% | 0.61% | 0.52% | 0.37% | 0.33% | 0.32% | -30 bps | |
| Return on Equity | -1.80% | -0.41% | 4.58% | 3.36% | 2.85% | 2.13% | 1.95% | 1.86% | -150 bps | |
| Net Interest Margin | 5.37% | 5.49% | 5.29% | 5.36% | 5.40% | 5.22% | 4.82% | 5.12% | -24 bps | |
| Efficiency Ratio | 86.69% | 83.95% | 80.33% | 77.55% | 78.58% | 78.03% | 88.85% | 88.15% | +1,060 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.60% | -3.93% | -0.50% | 4.38% | 6.12% | 11.73% | 9.48% | 7.80% | +342 bps | |
| Loan Growth (YoY) | 3.15% | 1.90% | 4.02% | 1.06% | -0.09% | -3.52% | -5.74% | -5.91% | -698 bps | |
| Share Growth (YoY) | -0.34% | -4.50% | -0.81% | 4.96% | 6.69% | 14.12% | 11.30% | 9.35% | +440 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 1.03% | 0.94% | 0.77% | 2.00% | 1.48% | 0.22% | 1.23% | +47 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 | 18.93% | 19.15% | 18.33% | 18.23% | 18.28% | 17.40% | 16.88% | 17.04% | -119 bps | |
| Net Worth / Assets | 18.93% | 19.15% | 18.33% | 18.23% | 18.28% | 17.40% | 16.88% | 17.04% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.62% | 93.29% | 88.94% | 88.23% | 85.80% | 78.87% | 75.32% | 75.91% | -1,232 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rural Hall, NC · Charter 65384 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.31%
Rank 1,300 of 1,683
Net Interest Margin
5.12%
Rank 122 of 1,683
Efficiency Ratio
88.19%
Rank 1,313 of 1,682
Equity / Assets
17.05%
Rank 387 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.31% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,300 / 1,683 | ||
| Return on Equity | 1.84% | 2.67% | 5.89% | 8.74% | Beats 19% | 1,359 / 1,681 | ||
| Net Interest Margin | 5.12% | 3.31% | 3.82% | 4.32% | Beats 93% | 122 / 1,683 | ||
| Efficiency Ratio | 88.19% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,313 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.23% | 0.26% | 0.65% | 1.29% | Beats 26% | 1,241 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.05% | 10.44% | 12.89% | 16.53% | Beats 77% | 387 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.05% | 10.44% | 12.89% | 16.53% | Beats 77% | 387 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.90% | 52.61% | 69.38% | 83.50% | 62nd pctl | 647 / 1,683 | ||
| Loans / Assets | 62.54% | 44.71% | 59.18% | 70.72% | 58th pctl | 714 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||