Winston Salem, NC · Charter 66354
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |