Statesville, NC · Charter 65781
NCUA · 1 branch
Q2 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.14% | -0.05% | -0.12% | -0.84% | -84 bps | |
| Return on Equity | 0.05% | 1.78% | -0.64% | -1.57% | -11.16% | -1,121 bps | |
| Net Interest Margin | 4.26% | 3.87% | 3.96% | 3.35% | 3.29% | -97 bps | |
| Efficiency Ratio | 89.48% | 88.71% | 94.51% | 100.90% | 114.11% | +2,462 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.15% | 4.38% | 1.91% | 2.53% | 2.16% | +331 bps | |
| Loan Growth (YoY) | -8.97% | -9.38% | -13.16% | -16.34% | -13.93% | -496 bps | |
| Share Growth (YoY) | -0.55% | 5.09% | 2.36% | 2.91% | 2.97% | +352 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.65% | 0.75% | 0.85% | 0.88% | 0.90% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.15% | 7.68% | 7.99% | 7.82% | 7.51% | -64 bps | |
| Net Worth / Assets | 8.15% | 7.68% | 7.99% | 7.82% | 7.51% | -64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |