Roanoke, VA · Charter 11111
NCUA · 16 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 | 0.54% | 0.57% | 0.68% | 0.60% | 0.58% | 0.63% | 0.56% | 0.55% | -5 bps | |
| Return on Equity | 5.65% | 5.84% | 6.77% | 5.67% | 5.44% | 5.90% | 5.19% | 5.23% | -44 bps | |
| Net Interest Margin | 2.54% | 2.61% | 2.80% | 2.82% | 2.87% | 2.83% | 3.07% | 3.11% | +28 bps | |
| Efficiency Ratio | 83.19% | 83.40% | 81.73% | 83.09% | 82.66% | 81.43% | 83.59% | 82.13% | -96 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.67% | -0.99% | -0.30% | -0.69% | 0.66% | 4.44% | 5.68% | 7.32% | +801 bps | |
| Loan Growth (YoY) | 4.41% | 2.74% | -1.03% | -0.71% | 2.00% | 5.00% | 7.09% | 8.04% | +874 bps | |
| Share Growth (YoY) | -5.04% | -3.88% | 4.19% | 7.05% | 7.28% | 5.41% | 1.46% | 3.54% | -351 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.41% | 0.32% | 0.38% | 0.36% | 0.41% | 0.40% | 0.48% | +10 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 | 9.62% | 9.69% | 9.97% | 10.65% | 10.72% | 10.61% | 10.73% | 10.56% | -9 bps | |
| Net Worth / Assets | 9.62% | 9.69% | 9.97% | 10.65% | 10.72% | 10.61% | 10.73% | 10.56% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.74% | 103.12% | 98.57% | 102.02% | 102.44% | 102.72% | 104.04% | 106.46% | +443 bps | |
| Liquid Assets / Assets | 99.45% | 0.00% | 99.69% | 98.73% | 0.00% | 0.00% | 0.00% | 0.00% | -9,873 bps | |