Verona, VA · Charter 11744
NCUA · 1 branch
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 | 1.07% | 1.39% | 2.25% | 2.39% | 2.33% | 2.17% | 1.85% | 1.91% | -47 bps | |
| Return on Equity | 4.51% | 5.58% | 9.00% | 9.37% | 9.16% | 8.46% | 7.15% | 7.29% | -209 bps | |
| Net Interest Margin | 2.83% | 3.24% | 3.96% | 4.12% | 4.00% | 3.86% | 3.62% | 3.68% | -44 bps | |
| Efficiency Ratio | 65.12% | 60.42% | 49.75% | 48.39% | 48.34% | 49.78% | 54.58% | 53.12% | +473 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.72% | -5.94% | -4.74% | 1.88% | 2.78% | 6.12% | 4.79% | 4.79% | +291 bps | |
| Loan Growth (YoY) | 4.22% | 3.14% | 0.91% | -1.14% | -0.78% | -2.16% | -3.04% | -3.66% | -252 bps | |
| Share Growth (YoY) | -9.93% | -10.14% | -9.01% | -0.77% | 0.54% | 4.93% | 3.51% | 3.59% | +436 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 0.53% | 0.69% | 0.36% | 1.53% | 0.96% | 1.34% | 2.72% | +236 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 | 23.80% | 24.94% | 24.99% | 25.46% | 25.45% | 25.67% | 25.93% | 26.25% | +79 bps | |
| Net Worth / Assets | 23.80% | 24.94% | 24.99% | 25.46% | 25.45% | 25.67% | 25.93% | 26.25% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.39% | 56.46% | 54.42% | 54.69% | 53.68% | 52.65% | 50.98% | 50.86% | -383 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |