Tarboro, NC · Charter 66319
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
46
Asset Quality
2
Profitability
34
Liquidity
5
Efficiency
23
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.
Tarboro, NC · Charter 66319
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 | 0.02% | 0.04% | -0.40% | -0.57% | -0.59% | -0.13% | 0.26% | -0.77% | -20 bps | |
| Return on Equity | 0.12% | 0.32% | -2.95% | -4.25% | -4.45% | -1.05% | 2.09% | -6.18% | -193 bps | |
| Net Interest Margin | 4.67% | 4.72% | 4.78% | 4.96% | 5.11% | 4.91% | 5.00% | 5.10% | +14 bps | |
| Efficiency Ratio | 88.45% | 86.14% | 83.68% | 82.47% | 84.41% | 78.46% | 83.11% | 87.73% | +527 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.06% | -0.43% | -0.48% | -2.08% | -0.20% | 3.58% | 2.70% | -0.25% | +183 bps | |
| Loan Growth (YoY) | 3.80% | 6.85% | 8.93% | 10.73% | 9.93% | 3.12% | -0.22% | -2.79% | -1,352 bps | |
| Share Growth (YoY) | 2.70% | -0.09% | -0.01% | -4.24% | 0.50% | 4.90% | 3.88% | 3.16% | +740 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.83% | 1.96% | 2.10% | 3.28% | 3.63% | 2.70% | 2.88% | 6.00% | +272 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 | 13.83% | 13.61% | 13.44% | 13.42% | 13.25% | 12.37% | 12.47% | 12.54% | -87 bps | |
| Net Worth / Assets | 13.83% | 13.61% | 13.44% | 13.42% | 13.25% | 12.37% | 12.47% | 12.54% | -87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.41% | 89.33% | 90.13% | 96.51% | 94.52% | 87.81% | 86.58% | 90.94% | -557 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tarboro, NC · Charter 66319 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.78%
Rank 1,595 of 1,683
Net Interest Margin
5.10%
Rank 127 of 1,683
Efficiency Ratio
87.67%
Rank 1,293 of 1,682
Equity / Assets
12.54%
Rank 903 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.78% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,595 / 1,683 | ||
| Return on Equity | -6.18% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,602 / 1,681 | ||
| Net Interest Margin | 5.10% | 3.31% | 3.82% | 4.32% | Beats 92% | 127 / 1,683 | ||
| Efficiency Ratio | 87.67% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,293 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 6.01% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,646 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.54% | 10.44% | 12.89% | 16.53% | Beats 46% | 903 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.54% | 10.44% | 12.89% | 16.53% | Beats 46% | 903 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.94% | 52.61% | 69.38% | 83.50% | 88th pctl | 206 / 1,683 | ||
| Loans / Assets | 79.25% | 44.71% | 59.18% | 70.72% | 91st pctl | 157 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||