Tarboro, NC · Charter 66319
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 | -0.57% | -0.59% | -0.13% | 0.26% | -0.77% | -20 bps | |
| Return on Equity | -4.25% | -4.45% | -1.05% | 2.09% | -6.18% | -193 bps | |
| Net Interest Margin | 4.96% | 5.11% | 4.91% | 5.00% | 5.10% | +14 bps | |
| Efficiency Ratio | 82.47% | 84.41% | 78.46% | 83.11% | 87.73% | +527 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.08% | -0.20% | 3.58% | 2.70% | -0.25% | +183 bps | |
| Loan Growth (YoY) | 10.73% | 9.93% | 3.12% | -0.22% | -2.79% | -1,352 bps | |
| Share Growth (YoY) | -4.24% | 0.50% | 4.90% | 3.88% | 3.16% | +740 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.42% | 13.25% | 12.37% | 12.47% | 12.54% | -87 bps | |
| Net Worth / Assets | 13.42% | 13.25% | 12.37% | 12.47% | 12.54% | -87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |