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 | |