Henrico, VA · Charter 18175
NCUA · 9 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.92% | 0.98% | 0.99% | 1.04% | 1.10% | 0.85% | 1.04% | +5 bps | |
| Return on Equity | 7.67% | 9.03% | 9.76% | 9.65% | 10.04% | 10.56% | 8.23% | 9.77% | +13 bps | |
| Net Interest Margin | 2.49% | 2.69% | 2.86% | 2.98% | 3.00% | 3.04% | 3.15% | 3.30% | +33 bps | |
| Efficiency Ratio | 72.20% | 70.82% | 66.31% | 68.15% | 66.76% | 65.48% | 69.02% | 66.49% | -166 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.83% | 3.77% | 1.50% | 1.86% | 2.22% | 8.27% | 7.39% | 7.36% | +549 bps | |
| Loan Growth (YoY) | 9.60% | 6.08% | 9.02% | 11.40% | 14.15% | 14.75% | 13.27% | 12.42% | +102 bps | |
| Share Growth (YoY) | 2.93% | 4.66% | 4.70% | 5.20% | 5.67% | 6.97% | 6.68% | 6.86% | +166 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 1.55% | 1.29% | 1.39% | 1.33% | 1.26% | 1.14% | 1.44% | +5 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 | 9.48% | 10.15% | 10.02% | 10.29% | 10.34% | 10.44% | 10.35% | 10.68% | +39 bps | |
| Net Worth / Assets | 9.48% | 10.15% | 10.02% | 10.29% | 10.34% | 10.44% | 10.35% | 10.68% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.37% | 64.35% | 64.53% | 68.32% | 69.54% | 69.04% | 68.51% | 71.88% | +356 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |