Greensboro, NC · Charter 66317
NCUA · 3 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
70
Profitability
38
Liquidity
5
Efficiency
17
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.
Greensboro, NC · Charter 66317
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.75% | 0.81% | 0.70% | 0.14% | -55 bps | |
| Return on Equity | 5.18% | 5.62% | 5.99% | 5.18% | 1.06% | -412 bps | |
| Net Interest Margin | 4.39% | 4.41% | 4.47% | 4.43% | 4.54% | +15 bps | |
| Efficiency Ratio | 86.66% | 84.40% | 82.94% | 82.70% | 90.40% | +373 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.05% | -8.07% | -3.22% | -3.80% | 3.96% | +1,100 bps | |
| Loan Growth (YoY) | -2.92% | -1.57% | 1.58% | -1.48% | 0.54% | +346 bps | |
| Share Growth (YoY) | 0.27% | -3.23% | -3.45% | -3.28% | 3.50% | +324 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.32% | 0.39% | 0.26% | 0.33% | +4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.32% | 13.42% | 13.59% | 13.50% | 13.31% | -1 bps | |
| Net Worth / Assets | 13.32% | 13.42% | 13.59% | 13.50% | 13.31% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.69% | 92.21% | 95.90% | 90.32% | 91.01% | -268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Greensboro, NC · Charter 66317 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.14%
Rank 1,420 of 1,683
Net Interest Margin
4.54%
Rank 312 of 1,683
Efficiency Ratio
90.32%
Rank 1,390 of 1,682
Equity / Assets
13.31%
Rank 767 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.35% | 0.74% | 1.18% | Beats 16% | 1,420 / 1,683 | |
| Return on Equity | 1.07% | 2.67% | 5.89% | 8.74% | Beats 16% | 1,420 / 1,681 | |
| Net Interest Margin | 4.54% | 3.31% | 3.82% | 4.32% | Beats 81% | 312 / 1,683 | |
| Efficiency Ratio | 90.32% | 68.91% | 78.20% | 86.93% | Beats 17% | 1,390 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.33% | 0.26% | 0.65% | 1.29% | Beats 70% | 498 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.31% | 10.44% | 12.89% | 16.53% | Beats 54% | 767 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.31% | 10.44% | 12.89% | 16.53% | Beats 54% | 767 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.01% | 52.61% | 69.38% | 83.50% | 88th pctl | 202 / 1,683 | |
| Loans / Assets | 77.67% | 44.71% | 59.18% | 70.72% | 88th pctl | 199 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||