Chesapeake, VA · Charter 16706
NCUA · 4 branches
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 | 0.28% | 0.27% | 0.27% | 0.30% | 0.31% | +4 bps | |
| Return on Equity | 1.76% | 1.69% | 1.70% | 1.87% | 1.96% | +20 bps | |
| Net Interest Margin | 4.40% | 4.39% | 4.41% | 4.10% | 4.15% | -24 bps | |
| Efficiency Ratio | 93.20% | 93.51% | 93.36% | 89.66% | 89.62% | -358 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.07% | 0.40% | -0.83% | -1.61% | -0.11% | +196 bps | |
| Loan Growth (YoY) | -8.21% | -5.15% | 2.12% | 2.92% | -0.31% | +790 bps | |
| Share Growth (YoY) | -3.36% | -0.65% | -1.50% | -2.93% | -0.73% | +263 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.62% | 0.42% | 0.40% | 0.36% | -20 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 | 15.71% | 15.78% | 15.87% | 15.81% | 16.02% | +31 bps | |
| Net Worth / Assets | 15.71% | 15.78% | 15.87% | 15.81% | 16.02% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.70% | 77.47% | 79.48% | 78.26% | 78.02% | +32 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |