Chesapeake, VA · Charter 13605
NCUA · 16 branches
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 | 0.03% | 0.12% | 0.11% | -0.07% | 0.03% | 0 bps | |
| Return on Equity | 0.39% | 1.56% | 1.43% | -0.92% | 0.43% | +4 bps | |
| Net Interest Margin | 3.53% | 3.48% | 3.55% | 3.62% | 3.80% | +27 bps | |
| Efficiency Ratio | 82.82% | 80.44% | 81.56% | 91.54% | 86.72% | +391 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.15% | 14.55% | 14.57% | 5.70% | -3.34% | -1,149 bps | |
| Loan Growth (YoY) | 14.99% | 19.63% | 19.04% | 7.56% | -4.65% | -1,965 bps | |
| Share Growth (YoY) | 2.11% | 6.46% | 9.78% | 4.33% | 2.81% | +70 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.84% | 0.95% | 0.76% | 0.63% | 0.61% | -23 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.70% | 7.60% | 7.58% | 7.64% | 7.95% | +25 bps | |
| Net Worth / Assets | 7.70% | 7.60% | 7.58% | 7.64% | 7.95% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.56% | 95.32% | 91.84% | 89.58% | 88.62% | -694 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |