PackageTrendsPeer
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Urw Community

Danville, VA · Charter 19867

NCUA · 11 branches

Q2 2026

$224.0MAssets
$179.6MLoans
$188.6MShares
$32.8MNet 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 0.71%, up 1 bps year over year; NIM at 6.02%.
  • Asset quality: problem loans at 1.47% of loans (-16 bps YoY).
  • Capital: net worth / assets of 14.65%, up 26 bps from a year ago.
  • Funding: loans stand at 95.26% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.71%+1 bps YoY

Net Interest Margin (quarter, annualized)

6.02%-10 bps YoY

Efficiency Ratio (quarter, annualized)

83.07%+328 bps YoY

Net Worth / Assets

14.65%+26 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.73%0.46%0.67%0.71%+1 bps
Return on Equity4.88%4.97%3.20%4.65%4.83%-5 bps
Net Interest Margin6.12%6.25%6.30%5.93%6.02%-10 bps
Efficiency Ratio79.79%79.18%80.54%83.36%83.07%+328 bps
Growth
Asset Growth (YoY)-2.01%-1.27%-1.71%-0.83%-0.75%+127 bps
Loan Growth (YoY)-5.60%-6.67%-5.75%-2.45%-0.49%+511 bps
Share Growth (YoY)-2.23%-2.33%-2.62%-1.80%-1.67%+56 bps
Asset Quality
Delinquent Loans / Loans1.62%1.94%1.77%1.29%1.47%-16 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 Capital14.39%14.75%14.48%14.35%14.65%+26 bps
Net Worth / Assets14.39%14.75%14.48%14.35%14.65%+26 bps
Liquidity & Funding
Loans / Shares94.13%93.11%93.80%92.24%95.26%+113 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps