Durham, NC · Charter 66258
NCUA · 41 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |