Virginia Beach, VA · Charter 15536
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.80% | 0.90% | 0.83% | 0.78% | +2 bps | |
| Return on Equity | 6.66% | 6.77% | 7.22% | 6.70% | 5.96% | -70 bps | |
| Net Interest Margin | 4.28% | 4.52% | 4.59% | 4.45% | 4.81% | +53 bps | |
| Efficiency Ratio | 78.74% | 80.66% | 80.92% | 85.06% | 82.70% | +396 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.89% | 3.36% | 0.26% | -6.44% | -6.11% | -1,600 bps | |
| Loan Growth (YoY) | -4.35% | -0.53% | -3.30% | -5.42% | -3.35% | +100 bps | |
| Share Growth (YoY) | 10.47% | 3.05% | 0.70% | -8.25% | -7.79% | -1,827 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.00% | 0.59% | 0.71% | 0.50% | +4 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 | 11.40% | 11.87% | 12.41% | 12.45% | 13.04% | +164 bps | |
| Net Worth / Assets | 11.40% | 11.87% | 12.41% | 12.45% | 13.04% | +164 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.65% | 52.81% | 51.00% | 50.18% | 53.09% | +244 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |