PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bva

Belle Vernon, PA · Charter 16063

NCUA · 1 branch

Q2 2026

$39.7MAssets
$8.4MLoans
$35.9MShares
$3.7MNet 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 0.87%, up 38 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 5.02% of loans (+231 bps YoY).
  • Capital: net worth / assets of 9.36%, up 3 bps from a year ago.
  • Funding: loans stand at 23.32% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.87%+38 bps YoY

Net Interest Margin (quarter, annualized)

2.63%+12 bps YoY

Efficiency Ratio (quarter, annualized)

84.78%+425 bps YoY

Net Worth / Assets

9.36%+3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.66%0.58%1.04%0.87%+38 bps
Return on Equity5.28%6.88%6.18%11.17%9.31%+404 bps
Net Interest Margin2.51%2.55%2.58%2.56%2.63%+12 bps
Efficiency Ratio80.53%73.77%75.21%94.06%84.78%+425 bps
Growth
Asset Growth (YoY)4.39%5.56%6.17%7.76%5.39%+100 bps
Loan Growth (YoY)-11.02%-12.02%-11.41%-12.54%-14.17%-315 bps
Share Growth (YoY)4.42%5.52%6.12%7.67%5.01%+58 bps
Asset Quality
Delinquent Loans / Loans2.72%2.57%3.01%4.15%5.02%+231 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 Capital9.33%9.61%9.31%9.32%9.36%+3 bps
Net Worth / Assets9.33%9.61%9.31%9.32%9.36%+3 bps
Liquidity & Funding
Loans / Shares28.54%27.77%26.76%25.03%23.32%-521 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps