PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

G E A Employees

Pearisburg, VA · Charter 17675

NCUA · 1 branch

Q2 2026

$2.1MAssets
$904KLoans
$1.6MShares
$497KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.05%, down 27 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.10% of loans (+7 bps YoY).
  • Capital: net worth / assets of 24.14%, down 42 bps from a year ago.
  • Funding: loans stand at 57.89% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%-27 bps YoY

Net Interest Margin (YTD, annualized)

2.89%-40 bps YoY

Efficiency Ratio (YTD, annualized)

63.68%+379 bps YoY

Net Worth / Assets

24.14%-42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.04%0.58%1.52%1.05%-27 bps
Return on Equity5.39%4.35%2.44%6.33%4.35%-104 bps
Net Interest Margin3.29%2.93%2.77%2.95%2.89%-40 bps
Efficiency Ratio59.88%64.51%79.13%48.67%63.68%+379 bps
Growth
Asset Growth (YoY)2.29%1.98%1.27%2.57%3.73%+143 bps
Loan Growth (YoY)-12.54%-4.08%-11.96%-12.24%1.51%+1,404 bps
Share Growth (YoY)2.49%2.24%0.90%2.72%4.30%+181 bps
Asset Quality
Delinquent Loans / Loans0.03%0.03%0.02%0.02%0.10%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.24%2.11%2.19%2.35%2.19%-5 bps
Capital
Risk-Based Capital24.56%23.91%23.73%23.98%24.14%-42 bps
Net Worth / Assets24.56%23.91%23.73%23.98%24.14%-42 bps
Liquidity & Funding
Loans / Shares59.49%60.71%58.37%54.39%57.89%-160 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps