Berryville, VA · Charter 14408
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.04% | 0.03% | -0.23% | -0.29% | -0.12% | -0.24% | 0.11% | +34 bps | |
| Return on Equity | 2.15% | 0.19% | 0.14% | -1.04% | -1.27% | -0.52% | -1.06% | 0.48% | +152 bps | |
| Net Interest Margin | 3.00% | 3.20% | 2.83% | 3.21% | 3.17% | 3.37% | 3.24% | 3.39% | +18 bps | |
| Efficiency Ratio | 85.44% | 92.41% | 95.51% | 102.46% | 105.74% | 101.26% | 104.99% | 95.48% | -698 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.50% | -3.03% | 1.85% | -8.73% | -12.36% | -8.23% | -10.32% | -6.13% | +260 bps | |
| Loan Growth (YoY) | 11.28% | 4.32% | -5.19% | -12.38% | -15.56% | -12.29% | -11.70% | -7.02% | +537 bps | |
| Share Growth (YoY) | 5.30% | -2.42% | 1.13% | -12.66% | -13.96% | -10.69% | -12.41% | -8.33% | +433 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.81% | 0.83% | 0.86% | 0.86% | 0.72% | 0.25% | 0.09% | 0.00% | -86 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 | 20.04% | 21.29% | 20.60% | 22.14% | 22.54% | 23.08% | 22.88% | 23.64% | +150 bps | |
| Net Worth / Assets | 20.04% | 21.29% | 20.60% | 22.14% | 22.54% | 23.08% | 22.88% | 23.64% | +150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.54% | 42.47% | 38.66% | 41.74% | 40.76% | 41.71% | 38.98% | 42.34% | +60 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |