Roanoke, VA · Charter 11986
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.35% | 1.35% | 1.25% | 1.39% | 1.05% | -30 bps | |
| Return on Equity | 9.30% | 9.08% | 8.37% | 9.40% | 7.15% | -215 bps | |
| Net Interest Margin | 3.05% | 2.97% | 3.04% | 2.91% | 2.82% | -24 bps | |
| Efficiency Ratio | 56.01% | 54.48% | 59.09% | 52.21% | 62.91% | +690 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.68% | -0.37% | 1.44% | 5.75% | 6.63% | +832 bps | |
| Loan Growth (YoY) | 0.43% | -13.00% | -19.82% | 10.12% | 6.13% | +570 bps | |
| Share Growth (YoY) | -3.90% | -2.12% | 0.19% | 4.72% | 6.37% | +1,027 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.84% | 1.95% | 2.21% | 1.86% | 1.73% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.47% | 14.90% | 14.88% | 14.79% | 14.67% | +20 bps | |
| Net Worth / Assets | 14.47% | 14.90% | 14.88% | 14.79% | 14.67% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.65% | 25.46% | 22.08% | 25.43% | 26.59% | -6 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |