Raleigh, NC · Charter 66310
NCUA · 286 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 | 0.35% | 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 | |