Winston Salem, NC · Charter 7840
NCUA · 40 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 | 0.68% | 0.44% | 0.82% | 0.98% | 1.05% | 1.69% | 1.52% | 1.22% | +24 bps | |
| Return on Equity | 7.70% | 5.11% | 9.14% | 10.57% | 11.05% | 16.95% | 14.84% | 11.99% | +142 bps | |
| Net Interest Margin | 3.96% | 4.01% | 4.09% | 4.23% | 4.26% | 4.16% | 4.18% | 4.15% | -8 bps | |
| Efficiency Ratio | 65.43% | 64.42% | 63.79% | 64.26% | 64.15% | 57.73% | 56.63% | 62.80% | -145 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.57% | 0.82% | -7.25% | -3.35% | -0.25% | 3.46% | 5.53% | 9.09% | +1,244 bps | |
| Loan Growth (YoY) | 13.49% | 8.10% | 2.36% | 2.95% | 3.25% | 4.26% | 4.25% | 4.17% | +122 bps | |
| Share Growth (YoY) | 12.13% | 1.31% | -0.88% | -0.05% | 1.00% | 4.04% | 2.33% | 6.25% | +631 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 1.00% | 0.81% | 0.87% | 0.85% | 0.95% | 0.82% | 0.90% | +3 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 | 8.88% | 8.69% | 8.98% | 9.29% | 9.49% | 9.96% | 10.24% | 10.19% | +89 bps | |
| Net Worth / Assets | 8.88% | 8.69% | 8.98% | 9.29% | 9.49% | 9.96% | 10.24% | 10.19% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.47% | 93.46% | 91.80% | 95.57% | 97.59% | 93.66% | 93.52% | 93.69% | -187 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |