Waynesville, NC · Charter 68531
NCUA · 7 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
49
Profitability
51
Liquidity
87
Efficiency
32
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.
Waynesville, NC · Charter 68531
NCUA · 7 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 | 0.83% | 0.87% | 0.79% | 0.48% | 0.59% | -24 bps | |
| Return on Equity | 7.55% | 7.70% | 7.08% | 4.29% | 5.23% | -232 bps | |
| Net Interest Margin | 4.21% | 4.33% | 4.27% | 4.06% | 4.18% | -2 bps | |
| Efficiency Ratio | 79.34% | 77.66% | 78.99% | 85.59% | 84.00% | +466 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.03% | 5.88% | 5.16% | 3.96% | 2.78% | -225 bps | |
| Loan Growth (YoY) | -5.66% | -4.20% | -2.24% | 1.70% | 5.32% | +1,098 bps | |
| Share Growth (YoY) | 5.05% | 4.51% | 4.22% | 2.36% | 1.96% | -309 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 0.81% | 0.79% | 0.69% | 0.67% | -18 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 | 10.94% | 11.25% | 11.12% | 11.11% | 11.22% | +28 bps | |
| Net Worth / Assets | 10.94% | 11.25% | 11.12% | 11.11% | 11.22% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.31% | 63.65% | 63.10% | 63.90% | 65.40% | +209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waynesville, NC · Charter 68531 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
0.59%
Rank 1,028 of 1,683
Net Interest Margin
4.18%
Rank 523 of 1,683
Efficiency Ratio
84.00%
Rank 1,141 of 1,682
Equity / Assets
11.22%
Rank 1,113 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.35% | 0.74% | 1.18% | Beats 39% | 1,028 / 1,683 | |
| Return on Equity | 5.22% | 2.67% | 5.89% | 8.74% | Beats 44% | 936 / 1,681 | |
| Net Interest Margin | 4.18% | 3.31% | 3.82% | 4.32% | Beats 69% | 523 / 1,683 | |
| Efficiency Ratio | 84.00% | 68.91% | 78.20% | 86.93% | Beats 32% | 1,141 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.67% | 0.26% | 0.65% | 1.29% | Beats 49% | 854 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.22% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,113 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.22% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,113 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.40% | 52.61% | 69.38% | 83.50% | 43rd pctl | 967 / 1,683 | |
| Loans / Assets | 57.46% | 44.71% | 59.18% | 70.72% | 46th pctl | 904 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||