Charlotte Amali, VI · Charter 7970
NCUA · 2 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 | 1.92% | 0.71% | -1.76% | -0.45% | -0.04% | 0.02% | 1.09% | 0.60% | +105 bps | |
| Return on Equity | 7.85% | 2.94% | -7.59% | -1.94% | -0.19% | 0.07% | 4.58% | 2.54% | +448 bps | |
| Net Interest Margin | 4.52% | 4.67% | 4.88% | 4.98% | 5.01% | 5.06% | 5.26% | 5.26% | +28 bps | |
| Efficiency Ratio | 63.70% | 80.20% | 150.08% | 97.95% | 84.58% | 84.57% | 71.98% | 73.17% | -2,478 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.92% | 3.17% | 4.36% | 2.23% | 1.29% | 2.85% | 0.71% | 1.05% | -118 bps | |
| Loan Growth (YoY) | 7.10% | 6.21% | 5.17% | 4.35% | 2.77% | 4.38% | 3.05% | 2.85% | -150 bps | |
| Share Growth (YoY) | 2.62% | 3.20% | 3.72% | 1.09% | 1.46% | 0.66% | 0.28% | 0.76% | -34 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.36% | 0.36% | 0.68% | 0.42% | 0.94% | 1.15% | 0.89% | +21 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 | 24.45% | 24.10% | 23.22% | 23.26% | 23.30% | 23.37% | 23.71% | 23.49% | +23 bps | |
| Net Worth / Assets | 24.45% | 24.10% | 23.22% | 23.26% | 23.30% | 23.37% | 23.71% | 23.49% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.84% | 55.62% | 55.11% | 55.35% | 54.53% | 57.68% | 56.64% | 56.50% | +115 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |