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 | |