Alexandria, VA · Charter 1407
NCUA · 5 branches
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 | -0.20% | -0.98% | -1.29% | 0.06% | 0.01% | -0.39% | -0.57% | -0.59% | -65 bps | |
| Return on Equity | -2.32% | -12.63% | -17.53% | 0.76% | 0.10% | -5.72% | -8.47% | -8.91% | -968 bps | |
| Net Interest Margin | 3.71% | 3.68% | 3.50% | 3.59% | 3.39% | 3.32% | 3.11% | 3.19% | -41 bps | |
| Efficiency Ratio | 87.50% | 91.26% | 83.08% | 72.26% | 75.27% | 81.33% | 93.42% | 98.21% | +2,595 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.59% | -5.55% | -5.03% | -3.51% | 4.06% | 4.73% | 3.80% | 4.12% | +764 bps | |
| Loan Growth (YoY) | 0.92% | -2.66% | -8.23% | -8.39% | -8.64% | -11.02% | -9.98% | -10.55% | -215 bps | |
| Share Growth (YoY) | -7.06% | -4.63% | -0.17% | 0.86% | 11.39% | 11.81% | 7.28% | 7.08% | +622 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 0.80% | 0.61% | 1.02% | 0.40% | 1.12% | 0.80% | 1.11% | +9 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 | 8.72% | 7.73% | 7.33% | 7.78% | 7.43% | 6.83% | 6.68% | 6.59% | -119 bps | |
| Net Worth / Assets | 8.72% | 7.73% | 7.33% | 7.78% | 7.43% | 6.83% | 6.68% | 6.59% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.36% | 90.64% | 83.06% | 82.36% | 74.94% | 72.14% | 69.69% | 68.80% | -1,356 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |