Cary, NC · Charter 7870
NCUA · 6 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 | 1.26% | 0.50% | 0.21% | 0.78% | 0.71% | 0.46% | 0.30% | 0.75% | -4 bps | |
| Return on Equity | 10.04% | 4.16% | 1.75% | 6.68% | 6.11% | 4.09% | 2.74% | 6.75% | +7 bps | |
| Net Interest Margin | 4.27% | 4.24% | 4.29% | 4.30% | 4.26% | 4.20% | 4.11% | 4.16% | -14 bps | |
| Efficiency Ratio | 68.42% | 79.53% | 82.26% | 77.62% | 77.08% | 82.48% | 80.96% | 76.51% | -111 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.64% | 9.03% | 9.24% | 7.71% | 8.19% | 9.07% | 10.15% | 9.52% | +182 bps | |
| Loan Growth (YoY) | 12.12% | 13.33% | 17.40% | 12.87% | 9.78% | 9.00% | 9.79% | 8.61% | -426 bps | |
| Share Growth (YoY) | 6.73% | 10.55% | 11.01% | 9.38% | 9.20% | 9.37% | 10.61% | 9.80% | +42 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.77% | 0.40% | 0.52% | 0.75% | 1.00% | 0.82% | 0.66% | +14 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 | 12.57% | 11.92% | 11.81% | 11.73% | 11.63% | 11.27% | 11.09% | 11.06% | -67 bps | |
| Net Worth / Assets | 12.57% | 11.92% | 11.81% | 11.73% | 11.63% | 11.27% | 11.09% | 11.06% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.80% | 70.08% | 68.81% | 68.46% | 70.18% | 69.84% | 68.29% | 67.71% | -75 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |