Blacksburg, VA · Charter 13544
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 | 0.00% | 0.23% | 0.14% | -0.74% | -0.11% | 0.28% | 0.51% | 0.44% | +118 bps | |
| Return on Equity | 0.00% | 0.93% | 0.58% | -3.06% | -0.42% | 1.08% | 1.99% | 1.67% | +473 bps | |
| Net Interest Margin | 3.98% | 4.07% | 4.01% | 3.91% | 4.03% | 3.98% | 3.63% | 3.69% | -22 bps | |
| Efficiency Ratio | 69.89% | 69.90% | 69.25% | 74.46% | 69.35% | 70.97% | 74.11% | 74.30% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.50% | -9.80% | -8.29% | -4.80% | -9.14% | -3.87% | -4.19% | -4.40% | +40 bps | |
| Loan Growth (YoY) | 0.62% | 3.85% | 7.66% | -2.80% | 0.50% | -13.48% | -18.24% | -18.73% | -1,594 bps | |
| Share Growth (YoY) | -9.76% | -12.79% | -11.47% | -6.45% | -12.04% | -5.46% | -5.99% | -6.93% | -48 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.28% | 5.24% | 4.50% | 5.87% | 4.90% | 5.53% | 4.67% | 5.56% | -31 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 | 0.93% | 0.83% | 0.62% | 1.75% | 1.73% | 1.43% | 1.80% | 1.94% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.89% | 24.39% | 24.21% | 24.26% | 25.35% | 25.64% | 25.63% | 26.26% | +200 bps | |
| Net Worth / Assets | 22.89% | 24.39% | 24.21% | 24.26% | 25.35% | 25.64% | 25.63% | 26.26% | +200 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.43% | 75.90% | 73.71% | 71.54% | 78.19% | 69.46% | 64.11% | 62.47% | -907 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |