Hopewell, VA · Charter 16605
NCUA · 3 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 | 0.51% | 0.56% | 0.86% | 1.01% | 1.02% | 1.05% | 1.35% | 0.51% | -51 bps | |
| Return on Equity | 5.25% | 5.65% | 8.60% | 9.83% | 9.78% | 9.97% | 12.76% | 4.71% | -512 bps | |
| Net Interest Margin | 2.99% | 3.05% | 3.19% | 3.20% | 3.26% | 3.32% | 3.53% | 3.62% | +42 bps | |
| Efficiency Ratio | 83.56% | 83.21% | 77.75% | 74.25% | 73.01% | 72.40% | 68.15% | 66.96% | -729 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | 2.22% | -0.56% | -0.19% | 2.71% | 4.95% | 6.26% | 8.00% | +819 bps | |
| Loan Growth (YoY) | 10.87% | 5.70% | 0.05% | -0.49% | -4.98% | -4.57% | -2.53% | -5.85% | -536 bps | |
| Share Growth (YoY) | -1.30% | 1.43% | -1.12% | -1.15% | 2.01% | 3.69% | 5.37% | 7.46% | +861 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.23% | 0.29% | 0.46% | 0.30% | 0.10% | 0.31% | 0.31% | -15 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 | 9.75% | 9.96% | 10.00% | 10.32% | 10.43% | 10.54% | 10.56% | 10.81% | +49 bps | |
| Net Worth / Assets | 9.75% | 9.96% | 10.00% | 10.32% | 10.43% | 10.54% | 10.56% | 10.81% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.38% | 53.43% | 50.38% | 51.82% | 49.72% | 49.17% | 46.60% | 45.40% | -642 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |