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 | |