Durham, NC · Charter 68430
NCUA · 16 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
99
Asset Quality
5
Profitability
53
Liquidity
0
Efficiency
19
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.
Durham, NC · Charter 68430
NCUA · 16 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 | 0.71% | 1.13% | 0.35% | 0.49% | 0.61% | 0.73% | 0.67% | 0.78% | +29 bps | |
| Return on Equity | 3.26% | 4.96% | 1.52% | 2.12% | 2.61% | 3.07% | 2.81% | 3.21% | +109 bps | |
| Net Interest Margin | 4.05% | 4.18% | 4.32% | 4.38% | 4.43% | 4.49% | 4.57% | 4.67% | +29 bps | |
| Efficiency Ratio | 83.61% | 76.02% | 88.16% | 82.64% | 81.05% | 78.49% | 80.61% | 79.30% | -334 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.50% | 2.20% | 0.40% | 1.05% | -1.89% | -0.50% | -0.10% | -1.37% | -241 bps | |
| Loan Growth (YoY) | 4.56% | 1.40% | 0.12% | -1.82% | -1.89% | -1.14% | -0.55% | 2.00% | +382 bps | |
| Share Growth (YoY) | 7.89% | 1.57% | -0.67% | 0.63% | -3.54% | -1.32% | -0.25% | -2.45% | -308 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.80% | 2.06% | 1.69% | 1.59% | 1.72% | 2.04% | 1.34% | 1.81% | +22 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 | 21.83% | 22.87% | 22.95% | 23.04% | 23.27% | 23.71% | 23.78% | 24.23% | +119 bps | |
| Net Worth / Assets | 21.83% | 22.87% | 22.95% | 23.04% | 23.27% | 23.71% | 23.78% | 24.23% | +119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 111.84% | 114.97% | 114.57% | 113.32% | 113.75% | 115.17% | 114.22% | 118.48% | +517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Durham, NC · Charter 68430 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
0.78%
Rank 232 of 435
Net Interest Margin
4.67%
Rank 7 of 435
Efficiency Ratio
79.30%
Rank 354 of 435
Equity / Assets
24.23%
Rank 3 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.78% | 0.55% | 0.81% | 1.14% | Beats 47% | 232 / 435 | ||
| Return on Equity | 3.21% | 5.12% | 7.41% | 9.70% | Beats 13% | 380 / 435 | ||
| Net Interest Margin | 4.67% | 3.01% | 3.39% | 3.75% | Beats 98% | 7 / 435 | ||
| Efficiency Ratio | 79.30% | 65.25% | 71.39% | 77.86% | Beats 19% | 354 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.81% | 0.45% | 0.69% | 1.05% | Beats 5% | 413 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.23% | 9.81% | 10.84% | 12.63% | Beats 99% | 3 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.23% | 9.81% | 10.84% | 12.63% | Beats 99% | 3 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 118.48% | 78.33% | 88.38% | 95.61% | 99th pctl | 3 / 435 | ||
| Loans / Assets | 83.58% | 67.69% | 74.58% | 80.80% | 87th pctl | 56 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||