Fayetteville, NC · Charter 7955
NCUA · 4 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 | 0.22% | 0.25% | -0.51% | -0.40% | -0.30% | -0.21% | 0.27% | 0.24% | +64 bps | |
| Return on Equity | 2.29% | 2.70% | -5.93% | -4.83% | -3.52% | -2.56% | 3.28% | 2.90% | +773 bps | |
| Net Interest Margin | 4.06% | 3.74% | 3.26% | 3.22% | 3.40% | 3.56% | 3.85% | 3.82% | +60 bps | |
| Efficiency Ratio | 87.47% | 85.98% | 95.44% | 93.86% | 91.75% | 88.86% | 84.50% | 84.01% | -985 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.47% | 10.46% | 12.63% | 16.07% | 11.96% | 4.42% | 2.13% | 0.78% | -1,529 bps | |
| Loan Growth (YoY) | -7.60% | -10.17% | -8.82% | -1.27% | 5.89% | 23.36% | 31.86% | 26.02% | +2,729 bps | |
| Share Growth (YoY) | 5.02% | 12.00% | 14.28% | 18.05% | 12.80% | 4.61% | 2.41% | 0.91% | -1,714 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.55% | 3.12% | 2.01% | 2.25% | 1.25% | 1.10% | 0.96% | 0.85% | -139 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 | 9.83% | 9.14% | 8.61% | 8.37% | 8.48% | 8.38% | 8.26% | 8.26% | -11 bps | |
| Net Worth / Assets | 9.83% | 9.14% | 8.61% | 8.37% | 8.48% | 8.38% | 8.26% | 8.26% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.34% | 62.53% | 58.67% | 60.33% | 64.15% | 73.75% | 75.54% | 75.34% | +1,501 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |