Durham, NC · Charter 66258
NCUA · 41 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
100
Asset Quality
4
Profitability
55
Liquidity
0
Efficiency
62
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.
Durham, NC · Charter 66258
NCUA · 41 branches
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 | 0.96% | 1.02% | 0.53% | 0.74% | 1.16% | 1.20% | 0.78% | 1.15% | +42 bps | |
| Return on Equity | 3.57% | 4.06% | 2.15% | 3.01% | 4.77% | 4.99% | 3.21% | 4.70% | +169 bps | |
| Net Interest Margin | 3.23% | 3.10% | 3.54% | 3.60% | 3.57% | 3.59% | 3.54% | 3.61% | +1 bps | |
| Efficiency Ratio | 66.96% | 67.41% | 72.63% | 67.22% | 63.71% | 63.07% | 72.98% | 68.37% | +115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.08% | 12.52% | 15.16% | 15.82% | 15.39% | 9.23% | 5.44% | 3.84% | -1,198 bps | |
| Loan Growth (YoY) | 7.20% | 8.10% | 13.92% | 18.34% | 14.44% | 14.26% | 8.15% | 2.95% | -1,539 bps | |
| Share Growth (YoY) | 6.59% | 15.90% | 20.78% | 22.44% | 19.06% | 12.00% | 5.40% | 3.20% | -1,924 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 1.14% | 0.97% | 1.89% | 2.00% | 1.86% | 1.84% | 1.97% | +9 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 | 26.94% | 25.15% | 24.81% | 24.44% | 24.33% | 24.04% | 24.34% | 24.51% | +7 bps | |
| Net Worth / Assets | 26.94% | 25.15% | 24.81% | 24.44% | 24.33% | 24.04% | 24.34% | 24.51% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 122.68% | 116.21% | 117.73% | 120.92% | 117.91% | 118.55% | 120.80% | 120.63% | -29 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Durham, NC · Charter 66258 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 41 branches
Q2 2026
Return on Assets
1.15%
Rank 102 of 435
Net Interest Margin
3.61%
Rank 149 of 435
Efficiency Ratio
68.37%
Rank 168 of 435
Equity / Assets
24.51%
Rank 2 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.55% | 0.81% | 1.14% | Beats 77% | 102 / 435 | ||
| Return on Equity | 4.70% | 5.12% | 7.41% | 9.70% | Beats 21% | 342 / 435 | ||
| Net Interest Margin | 3.61% | 3.01% | 3.39% | 3.75% | Beats 66% | 149 / 435 | ||
| Efficiency Ratio | 68.37% | 65.25% | 71.39% | 77.86% | Beats 62% | 168 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.97% | 0.45% | 0.69% | 1.05% | Beats 4% | 418 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.51% | 9.81% | 10.84% | 12.63% | Beats 100% | 2 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.51% | 9.81% | 10.84% | 12.63% | Beats 100% | 2 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 120.63% | 78.33% | 88.38% | 95.61% | 100th pctl | 2 / 435 | ||
| Loans / Assets | 88.38% | 67.69% | 74.58% | 80.80% | 96th pctl | 16 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||