PackageTrendsPeer
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Langley

Newport News, VA · Charter 1261

NCUA · 21 branches

Q2 2026

$5.6BAssets
$4.6BLoans
$4.8BShares
$520.1MNet 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 0.76%, up 40 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 1.32% of loans (+12 bps YoY).
  • Capital: net worth / assets of 9.25%, up 67 bps from a year ago.
  • Funding: loans stand at 95.08% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.76%+40 bps YoY

Net Interest Margin (YTD, annualized)

3.27%+21 bps YoY

Efficiency Ratio (YTD, annualized)

59.27%-647 bps YoY

Net Worth / Assets

9.25%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.70%0.66%0.60%0.76%+40 bps
Return on Equity4.24%7.84%7.49%6.68%8.25%+401 bps
Net Interest Margin3.06%3.11%3.12%3.17%3.27%+21 bps
Efficiency Ratio65.74%60.24%61.20%62.70%59.27%-647 bps
Growth
Asset Growth (YoY)4.40%4.58%4.56%2.73%0.77%-363 bps
Loan Growth (YoY)-0.17%1.64%-0.49%0.19%0.95%+112 bps
Share Growth (YoY)5.17%5.01%4.77%2.67%0.06%-511 bps
Asset Quality
Delinquent Loans / Loans1.20%1.19%1.26%1.15%1.32%+12 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 Capital8.57%8.87%8.83%8.93%9.25%+67 bps
Net Worth / Assets8.57%8.87%8.83%8.93%9.25%+67 bps
Liquidity & Funding
Loans / Shares94.24%94.70%93.09%92.91%95.08%+83 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps