Catawba, NC · Charter 66856
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.63% | 0.69% | 0.43% | 0.50% | -10 bps | |
| Return on Equity | 3.31% | 3.35% | 3.64% | 2.42% | 2.65% | -65 bps | |
| Net Interest Margin | 3.91% | 4.09% | 4.07% | 3.59% | 3.74% | -17 bps | |
| Efficiency Ratio | 83.42% | 83.32% | 82.15% | 86.42% | 86.06% | +264 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.47% | -3.96% | -3.67% | -0.30% | -0.77% | -123 bps | |
| Loan Growth (YoY) | 7.97% | 11.48% | 7.92% | 0.13% | -1.76% | -973 bps | |
| Share Growth (YoY) | -0.68% | -4.97% | -5.70% | -1.59% | -1.90% | -122 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.21% | 0.27% | 0.09% | 0.46% | +4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.09% | 18.84% | 18.91% | 17.95% | 18.69% | +60 bps | |
| Net Worth / Assets | 18.09% | 18.84% | 18.91% | 17.95% | 18.69% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.48% | 69.52% | 68.21% | 61.92% | 63.58% | +9 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |