PackageTrendsPeer
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Henrico

Henrico, VA · Charter 18175

NCUA · 9 branches

Q2 2026

$499.7MAssets
$321.8MLoans
$447.6MShares
$53.4MNet 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 1.04%, up 5 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 1.44% of loans (+5 bps YoY).
  • Capital: net worth / assets of 10.68%, up 39 bps from a year ago.
  • Funding: loans stand at 71.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.04%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+33 bps YoY

Efficiency Ratio (YTD, annualized)

66.49%-166 bps YoY

Net Worth / Assets

10.68%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.04%1.10%0.85%1.04%+5 bps
Return on Equity9.65%10.04%10.56%8.23%9.77%+13 bps
Net Interest Margin2.98%3.00%3.04%3.15%3.30%+33 bps
Efficiency Ratio68.15%66.76%65.48%69.02%66.49%-166 bps
Growth
Asset Growth (YoY)1.86%2.22%8.27%7.39%7.36%+549 bps
Loan Growth (YoY)11.40%14.15%14.75%13.27%12.42%+102 bps
Share Growth (YoY)5.20%5.67%6.97%6.68%6.86%+166 bps
Asset Quality
Delinquent Loans / Loans1.39%1.33%1.26%1.14%1.44%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.29%10.34%10.44%10.35%10.68%+39 bps
Net Worth / Assets10.29%10.34%10.44%10.35%10.68%+39 bps
Liquidity & Funding
Loans / Shares68.32%69.54%69.04%68.51%71.88%+356 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps