Hopewell, VA · Charter 17630
NCUA · 2 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 | 0.26% | 0.33% | 0.31% | 0.87% | 0.76% | +50 bps | |
| Return on Equity | 1.53% | 1.96% | 1.84% | 5.23% | 4.54% | +301 bps | |
| Net Interest Margin | 3.51% | 3.52% | 3.57% | 3.87% | 3.80% | +30 bps | |
| Efficiency Ratio | 83.05% | 79.64% | 79.39% | 75.69% | 76.98% | -607 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.79% | 2.55% | 3.63% | 3.22% | 5.26% | +347 bps | |
| Loan Growth (YoY) | -7.53% | -8.70% | -9.20% | -9.46% | -7.61% | -8 bps | |
| Share Growth (YoY) | 1.52% | 2.35% | 3.82% | 3.04% | 5.39% | +387 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.67% | 3.08% | 1.82% | 2.26% | 2.20% | -47 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 | 16.98% | 16.91% | 16.92% | 16.64% | 16.68% | -30 bps | |
| Net Worth / Assets | 16.98% | 16.91% | 16.92% | 16.64% | 16.68% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.69% | 45.89% | 44.46% | 42.07% | 41.81% | -588 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |