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Bristol VA School System

Bristol, VA · Charter 11567

NCUA · 1 branch

Q2 2026

$210KAssets
$41KLoans
$167KShares
$43KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.75%, up 18 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 8.82% of loans (-205 bps YoY).
  • Capital: net worth / assets of 20.47%, up 155 bps from a year ago.
  • Funding: loans stand at 24.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.75%+18 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+59 bps YoY

Efficiency Ratio (YTD, annualized)

140.63%-1,228 bps YoY

Net Worth / Assets

20.47%+155 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.93%-0.52%-0.31%-0.62%-1.75%+18 bps
Return on Equity-10.20%-2.47%-1.46%-3.22%-8.54%+167 bps
Net Interest Margin3.58%4.71%4.52%3.93%4.17%+59 bps
Efficiency Ratio152.91%110.89%106.66%115.28%140.63%-1,228 bps
Growth
Asset Growth (YoY)-10.35%-17.67%-13.90%-1.24%-8.18%+217 bps
Loan Growth (YoY)-18.12%-12.54%-7.42%-6.59%-12.65%+548 bps
Share Growth (YoY)-11.65%-21.02%-16.53%-1.32%-9.95%+170 bps
Asset Quality
Delinquent Loans / Loans10.87%10.79%8.18%9.41%8.82%-205 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.92%21.16%21.10%19.27%20.47%+155 bps
Net Worth / Assets18.92%21.16%21.10%19.27%20.47%+155 bps
Liquidity & Funding
Loans / Shares25.13%26.72%30.99%23.54%24.38%-75 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps