Winston Salem, NC · Charter 66354
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
4
Asset Quality
41
Profitability
69
Liquidity
21
Efficiency
10
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.
Winston Salem, NC · Charter 66354
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 | -0.48% | 0.00% | -0.18% | -1.92% | -0.97% | -0.44% | 0.58% | 0.75% | +267 bps | |
| Return on Equity | -4.46% | 0.04% | -1.63% | -18.87% | -9.47% | -4.31% | 7.24% | 9.24% | +2,810 bps | |
| Net Interest Margin | 3.41% | 3.82% | 4.05% | 4.46% | 4.71% | 4.52% | 4.40% | 4.43% | -3 bps | |
| Efficiency Ratio | 87.17% | 83.02% | 85.38% | 111.01% | 95.90% | 90.58% | 97.07% | 95.60% | -1,541 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.58% | -1.05% | -1.28% | -5.91% | -6.61% | -2.34% | 1.26% | 3.94% | +985 bps | |
| Loan Growth (YoY) | -10.42% | -10.26% | -11.08% | -7.51% | -3.79% | -1.86% | 2.55% | 3.72% | +1,123 bps | |
| Share Growth (YoY) | 0.35% | 3.36% | 3.16% | -0.74% | -3.31% | -0.90% | 5.28% | 6.27% | +700 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.82% | 2.74% | 1.41% | 2.18% | 1.85% | 0.81% | 0.84% | -57 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 | 10.75% | 10.88% | 10.90% | 10.18% | 10.29% | 10.13% | 7.95% | 8.12% | -206 bps | |
| Net Worth / Assets | 10.75% | 10.88% | 10.90% | 10.18% | 10.29% | 10.13% | 7.95% | 8.12% | -206 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.14% | 91.22% | 88.32% | 89.51% | 94.68% | 90.33% | 86.03% | 87.36% | -215 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Winston Salem, NC · Charter 66354 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.75%
Rank 829 of 1,683
Net Interest Margin
4.43%
Rank 365 of 1,683
Efficiency Ratio
95.61%
Rank 1,518 of 1,682
Equity / Assets
8.12%
Rank 1,612 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.75% | 0.35% | 0.74% | 1.18% | Beats 51% | 829 / 1,683 | ||
| Return on Equity | 9.22% | 2.67% | 5.89% | 8.74% | Beats 78% | 364 / 1,681 | ||
| Net Interest Margin | 4.43% | 3.31% | 3.82% | 4.32% | Beats 78% | 365 / 1,683 | ||
| Efficiency Ratio | 95.61% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,518 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.84% | 0.26% | 0.65% | 1.29% | Beats 41% | 985 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.12% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,612 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.12% | 10.44% | 12.89% | 16.53% | Beats 4% | 1,612 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.36% | 52.61% | 69.38% | 83.50% | 82nd pctl | 307 / 1,683 | ||
| Loans / Assets | 79.77% | 44.71% | 59.18% | 70.72% | 92nd pctl | 142 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||