PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Healthshare

Greensboro, NC · Charter 66317

NCUA · 3 branches

Q2 2026

$50.5MAssets
$39.2MLoans
$43.1MShares
$6.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.14%, down 55 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 0.33% of loans (+4 bps YoY).
  • Capital: net worth / assets of 13.31%, down 1 bps from a year ago.
  • Funding: loans stand at 91.01% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.14%-55 bps YoY

Net Interest Margin (YTD, annualized)

4.54%+15 bps YoY

Efficiency Ratio (YTD, annualized)

90.40%+373 bps YoY

Net Worth / Assets

13.31%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.75%0.81%0.70%0.14%-55 bps
Return on Equity5.18%5.62%5.99%5.18%1.06%-412 bps
Net Interest Margin4.39%4.41%4.47%4.43%4.54%+15 bps
Efficiency Ratio86.66%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 / Loans0.29%0.32%0.39%0.26%0.33%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.32%13.42%13.59%13.50%13.31%-1 bps
Net Worth / Assets13.32%13.42%13.59%13.50%13.31%-1 bps
Liquidity & Funding
Loans / Shares93.69%92.21%95.90%90.32%91.01%-268 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps