Greensboro, NC · Charter 66317
NCUA · 3 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 | 0.50% | 0.50% | 0.43% | 0.69% | 0.75% | 0.81% | 0.70% | 0.14% | -55 bps | |
| Return on Equity | 4.29% | 4.06% | 3.55% | 5.18% | 5.62% | 5.99% | 5.18% | 1.06% | -412 bps | |
| Net Interest Margin | 3.42% | 3.66% | 3.88% | 4.39% | 4.41% | 4.47% | 4.43% | 4.54% | +15 bps | |
| Efficiency Ratio | 87.18% | 87.15% | 91.28% | 86.66% | 84.40% | 82.94% | 82.70% | 90.40% | +373 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.11% | -1.32% | -2.66% | -7.05% | -8.07% | -3.22% | -3.80% | 3.96% | +1,100 bps | |
| Loan Growth (YoY) | -6.35% | -5.59% | -3.15% | -2.92% | -1.57% | 1.58% | -1.48% | 0.54% | +346 bps | |
| Share Growth (YoY) | 9.06% | 11.13% | 8.69% | 0.27% | -3.23% | -3.45% | -3.28% | 3.50% | +324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.41% | 0.17% | 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 | 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 | 11.75% | 12.40% | 12.19% | 13.32% | 13.42% | 13.59% | 13.50% | 13.31% | -1 bps | |
| Net Worth / Assets | 11.75% | 12.40% | 12.19% | 13.32% | 13.42% | 13.59% | 13.50% | 13.31% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.65% | 91.14% | 88.68% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |