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.
Trailing 9 quarters, through Q2 2026
Capital
19
Asset Quality
12
Profitability
22
Liquidity
95
Efficiency
28
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.
Plymouth, NC · Charter 66324
NCUA · 4 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 | 0.36% | 0.19% | 0.26% | 0.33% | 0.34% | 0.21% | 0.24% | 0.31% | -2 bps | |
| Return on Equity | 3.42% | 1.88% | 2.60% | 3.28% | 3.36% | 2.07% | 2.43% | 3.16% | -12 bps | |
| Net Interest Margin | 2.65% | 2.59% | 2.67% | 2.77% | 2.85% | 2.92% | 2.96% | 3.00% | +24 bps | |
| Efficiency Ratio | 85.24% | 87.10% | 83.73% | 83.33% | 83.70% | 87.42% | 86.70% | 85.96% | +262 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.59% | 13.40% | 8.88% | 6.99% | 5.69% | 1.87% | 2.62% | 3.72% | -328 bps | |
| Loan Growth (YoY) | 11.65% | 6.80% | 5.63% | 5.72% | 10.26% | 12.82% | 15.59% | 16.81% | +1,109 bps | |
| Share Growth (YoY) | 10.56% | 14.73% | 9.02% | 6.91% | 5.86% | 1.98% | 3.35% | 4.41% | -250 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.43% | 2.18% | 2.20% | 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 | 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 | 10.53% | 10.15% | 9.97% | 10.10% | 10.15% | 10.17% | 9.92% | 9.94% | -16 bps | |
| Net Worth / Assets | 10.53% | 10.15% | 9.97% | 10.10% | 10.15% | 10.17% | 9.92% | 9.94% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.16% | 59.86% | 58.86% | 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% | 0.00% | 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 | 8-Qtr Trend | 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 | ||||||