Raleigh, NC · Charter 66310
NCUA · 286 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 any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
4
Profitability
32
Liquidity
1
Efficiency
44
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.
Raleigh, NC · Charter 66310
NCUA · 286 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 | 0.35% | 0.36% | 0.32% | 0.64% | 0.70% | 0.69% | 0.64% | 0.72% | +8 bps | |
| Return on Equity | 3.68% | 3.51% | 3.23% | 6.41% | 6.86% | 6.83% | 6.37% | 7.13% | +72 bps | |
| Net Interest Margin | 2.28% | 2.48% | 2.55% | 2.61% | 2.67% | 2.66% | 2.84% | 2.86% | +25 bps | |
| Efficiency Ratio | 72.46% | 72.03% | 76.09% | 69.84% | 67.74% | 66.74% | 65.31% | 63.47% | -637 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.93% | -2.91% | -0.85% | -0.52% | -0.77% | 9.69% | 7.88% | 6.70% | +722 bps | |
| Loan Growth (YoY) | 5.95% | 5.55% | 5.84% | 6.42% | 6.71% | 6.34% | 5.85% | 5.64% | -78 bps | |
| Share Growth (YoY) | 4.38% | 6.53% | 8.56% | 9.05% | 9.12% | 9.26% | 7.62% | 6.42% | -262 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.52% | 3.24% | 1.55% | 2.22% | 2.41% | 2.63% | 1.44% | 2.38% | +16 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 | 9.52% | 10.36% | 9.99% | 10.06% | 10.16% | 10.10% | 9.98% | 10.12% | +7 bps | |
| Net Worth / Assets | 9.52% | 10.36% | 9.99% | 10.06% | 10.16% | 10.10% | 9.98% | 10.12% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.16% | 74.64% | 72.27% | 72.84% | 73.49% | 72.64% | 71.08% | 72.30% | -54 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Raleigh, NC · Charter 66310 · Peer group: credit unions any (n=25)
NCUA · 286 branches
Q2 2026
Return on Assets
0.72%
Rank 16 of 25
Net Interest Margin
2.86%
Rank 19 of 25
Efficiency Ratio
63.47%
Rank 15 of 25
Equity / Assets
10.12%
Rank 14 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.54% | 0.87% | 1.36% | Beats 36% | 16 / 25 | ||
| Return on Equity | 7.13% | 5.49% | 9.20% | 10.99% | Beats 36% | 16 / 25 | ||
| Net Interest Margin | 2.86% | 2.86% | 3.13% | 3.50% | Beats 24% | 19 / 25 | ||
| Efficiency Ratio | 63.47% | 54.62% | 61.07% | 70.28% | Beats 44% | 15 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.38% | 0.64% | 0.92% | 1.30% | Beats 4% | 25 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.12% | 9.55% | 10.72% | 11.84% | Beats 44% | 14 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.12% | 9.55% | 10.72% | 11.84% | Beats 44% | 14 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.30% | 81.23% | 88.75% | 93.33% | 12th pctl | 22 / 25 | ||
| Loans / Assets | 64.48% | 68.82% | 78.26% | 79.51% | 16th pctl | 21 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||