PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Emergency Responders

Winston Salem, NC · Charter 66354

NCUA · 3 branches

Q2 2026

$30.2MAssets
$24.1MLoans
$27.5MShares
$2.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.75%, up 267 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 0.84% of loans (-57 bps YoY).
  • Capital: net worth / assets of 8.12%, down 206 bps from a year ago.
  • Funding: loans stand at 87.36% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%+267 bps YoY

Net Interest Margin (YTD, annualized)

4.43%-3 bps YoY

Efficiency Ratio (YTD, annualized)

95.60%-1,541 bps YoY

Net Worth / Assets

8.12%-206 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.92%-0.97%-0.44%0.58%0.75%+267 bps
Return on Equity-18.87%-9.47%-4.31%7.24%9.24%+2,810 bps
Net Interest Margin4.46%4.71%4.52%4.40%4.43%-3 bps
Efficiency Ratio111.01%95.90%90.58%97.07%95.60%-1,541 bps
Growth
Asset Growth (YoY)-5.91%-6.61%-2.34%1.26%3.94%+985 bps
Loan Growth (YoY)-7.51%-3.79%-1.86%2.55%3.72%+1,123 bps
Share Growth (YoY)-0.74%-3.31%-0.90%5.28%6.27%+700 bps
Asset Quality
Delinquent Loans / Loans1.41%2.18%1.85%0.81%0.84%-57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.18%10.29%10.13%7.95%8.12%-206 bps
Net Worth / Assets10.18%10.29%10.13%7.95%8.12%-206 bps
Liquidity & Funding
Loans / Shares89.51%94.68%90.33%86.03%87.36%-215 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps