Petersburg, VA · Charter 17464
NCUA · 5 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.91% | 7.49% | 3.44% | 2.07% | 1.36% | 6.55% | 2.88% | -55 bps | |
| Return on Equity | 3.82% | 4.16% | 33.06% | 15.12% | 9.40% | 6.35% | 29.35% | 13.02% | -210 bps | |
| Net Interest Margin | 4.69% | 4.53% | 4.40% | 4.61% | 4.60% | 4.65% | 4.77% | 4.85% | +24 bps | |
| Efficiency Ratio | 73.25% | 73.61% | 46.71% | 62.90% | 70.64% | 78.10% | 48.78% | 66.81% | +390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.98% | 4.72% | 10.10% | 10.22% | 11.78% | 8.29% | 6.69% | 7.36% | -286 bps | |
| Loan Growth (YoY) | 5.48% | 6.88% | 8.28% | 5.90% | 7.82% | 8.61% | 8.44% | 8.97% | +307 bps | |
| Share Growth (YoY) | 1.16% | 3.75% | 6.20% | 5.52% | 9.13% | 7.78% | 9.22% | 9.27% | +375 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.09% | 2.58% | 1.48% | 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 | 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 | 22.77% | 21.88% | 22.66% | 22.72% | 22.05% | 21.43% | 22.30% | 22.15% | -57 bps | |
| Net Worth / Assets | 22.77% | 21.88% | 22.66% | 22.72% | 22.05% | 21.43% | 22.30% | 22.15% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.77% | 68.18% | 66.14% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |