Waynesville, NC · Charter 66854
NCUA · 2 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 | 0.26% | 0.31% | 0.47% | 0.53% | 0.54% | 0.58% | 0.58% | 0.70% | +17 bps | |
| Return on Equity | 1.56% | 1.79% | 2.78% | 3.07% | 3.21% | 3.44% | 3.40% | 4.11% | +104 bps | |
| Net Interest Margin | 2.01% | 2.15% | 2.41% | 2.50% | 2.51% | 2.56% | 2.78% | 2.83% | +32 bps | |
| Efficiency Ratio | 89.91% | 87.83% | 80.46% | 79.23% | 79.20% | 78.88% | 80.95% | 77.60% | -163 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.83% | -10.78% | -7.64% | -5.83% | 0.49% | 4.89% | 2.42% | 4.07% | +991 bps | |
| Loan Growth (YoY) | 5.48% | 5.63% | 6.02% | 5.04% | 7.77% | 9.75% | 12.05% | 13.06% | +802 bps | |
| Share Growth (YoY) | -2.29% | -2.91% | -0.77% | 0.63% | 3.10% | 5.01% | 2.53% | 3.94% | +332 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.55% | 0.44% | 0.57% | 0.44% | 0.37% | 0.16% | 0.28% | -29 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 | 16.62% | 17.17% | 17.05% | 17.15% | 16.92% | 16.82% | 17.14% | 17.03% | -12 bps | |
| Net Worth / Assets | 16.62% | 17.17% | 17.05% | 17.15% | 16.92% | 16.82% | 17.14% | 17.03% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.60% | 74.90% | 76.03% | 77.35% | 76.93% | 78.29% | 83.09% | 84.13% | +678 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |