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 | |