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Dahlgren, VA · Charter 14754

NCUA · 4 branches

Q2 2026

$492.1MAssets
$266.6MLoans
$455.2MShares
$43.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.01%, up 45 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 1.14% of loans (+18 bps YoY).
  • Capital: net worth / assets of 8.82%, up 67 bps from a year ago.
  • Funding: loans stand at 58.56% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.01%+45 bps YoY

Net Interest Margin (quarter, annualized)

3.64%+10 bps YoY

Efficiency Ratio (quarter, annualized)

83.00%+343 bps YoY

Net Worth / Assets

8.82%+67 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.59%0.57%0.61%1.01%+45 bps
Return on Equity6.88%7.04%6.76%7.21%11.43%+455 bps
Net Interest Margin3.54%3.60%3.58%3.54%3.64%+10 bps
Efficiency Ratio79.57%78.44%79.71%86.29%83.00%+343 bps
Growth
Asset Growth (YoY)1.58%2.84%3.19%-0.30%1.51%-7 bps
Loan Growth (YoY)-8.58%-7.41%-6.30%-3.50%-0.10%+848 bps
Share Growth (YoY)4.44%2.12%1.68%-1.41%0.60%-385 bps
Asset Quality
Delinquent Loans / Loans0.97%0.99%0.87%0.97%1.14%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.16%8.36%8.38%8.49%8.82%+67 bps
Net Worth / Assets8.16%8.36%8.38%8.49%8.82%+67 bps
Liquidity & Funding
Loans / Shares58.97%59.63%58.21%57.89%58.56%-41 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps