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Glen Allen, VA · Charter 15209

NCUA · 10 branches

Q2 2026

$557.1MAssets
$271.9MLoans
$497.7MShares
$58.3MNet 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 0.28%, down 4 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.60% of loans (+33 bps YoY).
  • Capital: net worth / assets of 10.47%, down 2 bps from a year ago.
  • Funding: loans stand at 54.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+22 bps YoY

Efficiency Ratio (YTD, annualized)

91.20%-11 bps YoY

Net Worth / Assets

10.47%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.33%0.31%0.20%0.28%-4 bps
Return on Equity3.02%3.08%2.90%1.98%2.69%-33 bps
Net Interest Margin3.00%3.07%3.13%3.10%3.22%+22 bps
Efficiency Ratio91.31%91.15%91.90%93.02%91.20%-11 bps
Growth
Asset Growth (YoY)3.40%3.45%5.02%2.99%2.98%-42 bps
Loan Growth (YoY)2.43%2.16%3.13%3.77%2.39%-4 bps
Share Growth (YoY)2.34%2.73%3.39%2.12%2.51%+17 bps
Asset Quality
Delinquent Loans / Loans0.26%0.35%0.56%0.24%0.60%+33 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 Capital10.49%10.62%10.75%10.14%10.47%-2 bps
Net Worth / Assets10.49%10.62%10.75%10.14%10.47%-2 bps
Liquidity & Funding
Loans / Shares54.69%55.10%56.66%53.13%54.63%-6 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps