Plymouth, NC · Charter 66324
NCUA · 4 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
19
Asset Quality
12
Profitability
22
Liquidity
95
Efficiency
28
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.
Plymouth, NC · Charter 66324
NCUA · 4 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 | 0.33% | 0.34% | 0.21% | 0.24% | 0.31% | -2 bps | |
| Return on Equity | 3.28% | 3.36% | 2.07% | 2.43% | 3.16% | -12 bps | |
| Net Interest Margin | 2.77% | 2.85% | 2.92% | 2.96% | 3.00% | +24 bps | |
| Efficiency Ratio | 83.33% | 83.70% | 87.42% | 86.70% | 85.96% | +262 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.99% | 5.69% | 1.87% | 2.62% | 3.72% | -328 bps | |
| Loan Growth (YoY) | 5.72% | 10.26% | 12.82% | 15.59% | 16.81% | +1,109 bps | |
| Share Growth (YoY) | 6.91% | 5.86% | 1.98% | 3.35% | 4.41% | -250 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.18% | 2.11% | 3.20% | 2.28% | 2.21% | +3 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 | 10.10% | 10.15% | 10.17% | 9.92% | 9.94% | -16 bps | |
| Net Worth / Assets | 10.10% | 10.15% | 10.17% | 9.92% | 9.94% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.66% | 63.70% | 66.23% | 65.83% | 67.87% | +720 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Plymouth, NC · Charter 66324 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.31%
Rank 1,301 of 1,683
Net Interest Margin
3.00%
Rank 1,457 of 1,683
Efficiency Ratio
85.93%
Rank 1,220 of 1,682
Equity / Assets
9.94%
Rank 1,357 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,301 / 1,683 | |
| Return on Equity | 3.15% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,196 / 1,681 | |
| Net Interest Margin | 3.00% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,457 / 1,683 | |
| Efficiency Ratio | 85.93% | 68.91% | 78.20% | 86.93% | Beats 28% | 1,220 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.21% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,477 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.94% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,357 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.94% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,357 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.87% | 52.61% | 69.38% | 83.50% | 47th pctl | 884 / 1,683 | |
| Loans / Assets | 60.90% | 44.71% | 59.18% | 70.72% | 54th pctl | 776 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||