Aurora, NC · Charter 66320
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 | -0.62% | -1.33% | -2.08% | -5.66% | -4.59% | -14.83% | -5.91% | -5.49% | +17 bps | |
| Return on Equity | -1.95% | -4.05% | -10.80% | -16.90% | -13.82% | -41.65% | -16.31% | -15.14% | +176 bps | |
| Net Interest Margin | 10.40% | 11.25% | 11.00% | 9.94% | 8.07% | 11.97% | 9.05% | 9.51% | -43 bps | |
| Efficiency Ratio | 105.98% | 111.83% | 118.89% | 156.92% | 156.79% | 142.65% | 165.26% | 157.72% | +80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.83% | -18.76% | -29.97% | -16.21% | -10.75% | -17.45% | -7.28% | -24.34% | -813 bps | |
| Loan Growth (YoY) | 1.03% | 3.88% | -6.06% | -17.74% | -12.26% | -18.85% | -16.33% | -16.29% | +145 bps | |
| Share Growth (YoY) | -8.89% | -10.66% | -13.68% | -15.57% | -14.65% | -31.58% | -28.96% | -24.96% | -940 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.26% | 6.92% | 8.07% | 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 | n/a | n/a | n/a |
| Allowance / Loans | -8.37% | 8.19% | 3.89% | 0.00% | 0.00% | 14.33% | 15.52% | 16.78% | +1,678 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.92% | 32.88% | 19.23% | 33.48% | 33.20% | 35.62% | 36.22% | 36.27% | +280 bps | |
| Net Worth / Assets | 31.92% | 32.88% | 19.23% | 33.48% | 33.20% | 35.62% | 36.22% | 36.27% | +280 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.14% | 109.52% | 100.19% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |