Petersburg, VA · Charter 17464
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.44% | 2.07% | 1.36% | 6.55% | 2.88% | -55 bps | |
| Return on Equity | 15.12% | 9.40% | 6.35% | 29.35% | 13.02% | -210 bps | |
| Net Interest Margin | 4.61% | 4.60% | 4.65% | 4.77% | 4.85% | +24 bps | |
| Efficiency Ratio | 62.90% | 70.64% | 78.10% | 48.78% | 66.81% | +390 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.22% | 11.78% | 8.29% | 6.69% | 7.36% | -286 bps | |
| Loan Growth (YoY) | 5.90% | 7.82% | 8.61% | 8.44% | 8.97% | +307 bps | |
| Share Growth (YoY) | 5.52% | 9.13% | 7.78% | 9.22% | 9.27% | +375 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.10% | 1.76% | 1.93% | 2.30% | 3.09% | +99 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 | 22.72% | 22.05% | 21.43% | 22.30% | 22.15% | -57 bps | |
| Net Worth / Assets | 22.72% | 22.05% | 21.43% | 22.30% | 22.15% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.82% | 68.93% | 68.70% | 65.67% | 67.63% | -18 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |