Salem, VA · Charter 1127
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.47% | 0.85% | 0.95% | 0.97% | 0.91% | 0.67% | 0.71% | -24 bps | |
| Return on Equity | 13.12% | 12.37% | 7.22% | 7.88% | 7.78% | 7.28% | 5.37% | 5.48% | -240 bps | |
| Net Interest Margin | 4.49% | 4.39% | 3.91% | 4.03% | 4.12% | 4.07% | 3.81% | 3.94% | -9 bps | |
| Efficiency Ratio | 72.18% | 72.87% | 82.79% | 81.05% | 81.05% | 81.97% | 85.44% | 85.27% | +422 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.79% | -3.27% | 1.96% | 2.48% | 2.12% | 2.38% | 0.49% | -0.98% | -346 bps | |
| Loan Growth (YoY) | -0.55% | -6.24% | -9.15% | -11.08% | -11.16% | -6.98% | -0.75% | 5.67% | +1,675 bps | |
| Share Growth (YoY) | -6.55% | -4.92% | 0.97% | 1.82% | 1.72% | 2.03% | -1.04% | -3.56% | -538 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.28% | 0.45% | 0.34% | 0.22% | 0.09% | 0.26% | 0.16% | -18 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 | 11.71% | 11.92% | 11.74% | 12.10% | 12.53% | 12.56% | 12.55% | 13.02% | +92 bps | |
| Net Worth / Assets | 11.71% | 11.92% | 11.74% | 12.10% | 12.53% | 12.56% | 12.55% | 13.02% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.05% | 74.47% | 69.90% | 69.58% | 69.04% | 67.89% | 70.10% | 76.24% | +666 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |