Richmond, VA · Charter 1282
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.66% | -2.74% | -0.47% | -0.72% | -0.66% | -0.85% | -0.74% | -0.23% | +49 bps | |
| Return on Equity | -6.63% | -7.02% | -1.26% | -1.88% | -1.72% | -2.23% | -1.98% | -0.62% | +126 bps | |
| Net Interest Margin | 5.21% | 5.69% | 5.21% | 5.43% | 5.45% | 5.51% | 5.27% | 5.26% | -16 bps | |
| Efficiency Ratio | 97.29% | 102.89% | 107.83% | 105.28% | 105.41% | 104.18% | 97.25% | 94.94% | -1,034 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.88% | -5.34% | 4.07% | 0.17% | 0.02% | 0.13% | -3.38% | 1.61% | +144 bps | |
| Loan Growth (YoY) | -2.17% | -0.22% | 10.84% | 6.81% | 13.28% | 20.31% | 20.61% | 19.04% | +1,223 bps | |
| Share Growth (YoY) | -12.92% | -37.63% | -31.12% | 2.54% | 1.32% | 1.81% | -3.77% | 3.82% | +128 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.14% | 0.33% | 0.43% | 0.86% | 0.64% | 0.77% | 0.30% | -13 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 | 40.09% | 39.10% | 37.09% | 38.41% | 38.59% | 38.08% | 37.37% | 37.10% | -132 bps | |
| Net Worth / Assets | 40.09% | 39.10% | 37.09% | 38.41% | 38.59% | 38.08% | 37.37% | 37.10% | -132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.83% | 60.26% | 54.67% | 60.91% | 68.01% | 71.22% | 68.52% | 69.84% | +893 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |