Statesville, NC · Charter 65781
NCUA · 1 branch
Q2 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2025, the quarter ended June 30, 2025, 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=1,656 to 1,659). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
4
Profitability
12
Liquidity
62
Efficiency
3
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.
Statesville, NC · Charter 65781
NCUA · 1 branch
Q2 2025
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | -0.48% | -0.16% | 0.00% | 0.14% | -0.05% | -0.12% | -0.84% | -84 bps | |
| Return on Equity | -0.82% | -5.90% | -2.00% | 0.05% | 1.78% | -0.64% | -1.57% | -11.16% | -1,121 bps | |
| Net Interest Margin | 4.19% | 4.24% | 4.06% | 4.26% | 3.87% | 3.96% | 3.35% | 3.29% | -97 bps | |
| Efficiency Ratio | 85.97% | 90.88% | 89.98% | 89.48% | 88.71% | 94.51% | 100.90% | 114.11% | +2,462 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.34% | 4.40% | 4.07% | -1.15% | 4.38% | 1.91% | 2.53% | 2.16% | +331 bps | |
| Loan Growth (YoY) | -2.80% | -6.94% | -9.83% | -8.97% | -9.38% | -13.16% | -16.34% | -13.93% | -496 bps | |
| Share Growth (YoY) | 8.03% | 5.26% | 5.25% | -0.55% | 5.09% | 2.36% | 2.91% | 2.97% | +352 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.25% | 2.27% | 0.44% | 2.32% | 3.41% | 4.48% | 2.85% | 4.00% | +168 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 | 0.86% | 0.46% | 0.68% | 0.65% | 0.75% | 0.85% | 0.88% | 0.90% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.32% | 8.19% | 8.06% | 8.15% | 7.68% | 7.99% | 7.82% | 7.51% | -64 bps | |
| Net Worth / Assets | 8.32% | 8.19% | 8.06% | 8.15% | 7.68% | 7.99% | 7.82% | 7.51% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.29% | 76.15% | 71.58% | 71.57% | 63.20% | 64.60% | 58.19% | 59.82% | -1,174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Statesville, NC · Charter 65781 · Peer group: credit unions under $1B in assets (n=1,656-1,659)
NCUA · 1 branch
Q2 2025
Return on Assets
-0.83%
Rank 1,590 of 1,659
Net Interest Margin
3.29%
Rank 1,184 of 1,658
Efficiency Ratio
114.71%
Rank 1,609 of 1,656
Equity / Assets
7.51%
Rank 1,619 of 1,658
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.83% | 0.35% | 0.78% | 1.25% | Beats 4% | 1,590 / 1,659 | ||
| Return on Equity | -11.08% | 2.75% | 6.06% | 9.41% | Beats 3% | 1,610 / 1,657 | ||
| Net Interest Margin | 3.29% | 3.20% | 3.76% | 4.33% | Beats 29% | 1,184 / 1,658 | ||
| Efficiency Ratio | 114.71% | 67.69% | 77.34% | 85.79% | Beats 3% | 1,609 / 1,656 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.99% | 0.24% | 0.65% | 1.35% | Beats 4% | 1,589 / 1,657 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.51% | 10.20% | 12.57% | 16.16% | Beats 2% | 1,619 / 1,659 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.51% | 10.20% | 12.57% | 16.15% | Beats 2% | 1,619 / 1,658 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.82% | 54.91% | 71.55% | 84.72% | 32nd pctl | 1,134 / 1,658 | ||
| Loans / Assets | 55.31% | 46.17% | 60.56% | 71.91% | 40th pctl | 998 / 1,658 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||