Aurora, NC · Charter 66320
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
99
Asset Quality
1
Profitability
34
Liquidity
0
Efficiency
1
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.
Aurora, NC · Charter 66320
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 | -5.66% | -4.59% | -14.83% | -5.91% | -5.49% | +17 bps | |
| Return on Equity | -16.90% | -13.82% | -41.65% | -16.31% | -15.14% | +176 bps | |
| Net Interest Margin | 9.94% | 8.07% | 11.97% | 9.05% | 9.51% | -43 bps | |
| Efficiency Ratio | 156.92% | 156.79% | 142.65% | 165.26% | 157.72% | +80 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.21% | -10.75% | -17.45% | -7.28% | -24.34% | -813 bps | |
| Loan Growth (YoY) | -17.74% | -12.26% | -18.85% | -16.33% | -16.29% | +145 bps | |
| Share Growth (YoY) | -15.57% | -14.65% | -31.58% | -28.96% | -24.96% | -940 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.84% | 5.14% | 3.17% | 9.33% | 9.84% | +900 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% | 14.33% | 15.52% | 16.78% | +1,678 bps | |
| Capital | |||||||
| Risk-Based Capital | 33.48% | 33.20% | 35.62% | 36.22% | 36.27% | +280 bps | |
| Net Worth / Assets | 33.48% | 33.20% | 35.62% | 36.22% | 36.27% | +280 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.13% | 103.97% | 129.89% | 118.01% | 106.12% | +1,099 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Aurora, NC · Charter 66320 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-5.43%
Rank 1,670 of 1,683
Net Interest Margin
9.47%
Rank 4 of 1,683
Efficiency Ratio
159.26%
Rank 1,663 of 1,682
Equity / Assets
36.28%
Rank 23 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.43% | 0.35% | 0.74% | 1.18% | Beats 1% | 1,670 / 1,683 | |
| Return on Equity | -14.98% | 2.67% | 5.89% | 8.74% | Beats 2% | 1,641 / 1,681 | |
| Net Interest Margin | 9.47% | 3.31% | 3.82% | 4.32% | Beats 100% | 4 / 1,683 | |
| Efficiency Ratio | 159.26% | 68.91% | 78.20% | 86.93% | Beats 1% | 1,663 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 9.88% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,672 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 36.28% | 10.44% | 12.89% | 16.53% | Beats 99% | 23 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 36.28% | 10.44% | 12.89% | 16.53% | Beats 99% | 23 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 106.07% | 52.61% | 69.38% | 83.50% | 98th pctl | 29 / 1,683 | |
| Loans / Assets | 67.40% | 44.71% | 59.18% | 70.72% | 68th pctl | 543 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||