Danville, VA · Charter 19867
NCUA · 11 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 | 1.37% | 1.08% | 0.66% | 0.70% | 0.73% | 0.46% | 0.67% | 0.71% | +1 bps | |
| Return on Equity | 9.58% | 7.67% | 4.68% | 4.88% | 4.97% | 3.20% | 4.65% | 4.83% | -5 bps | |
| Net Interest Margin | 6.19% | 6.21% | 5.97% | 6.12% | 6.25% | 6.30% | 5.93% | 6.02% | -10 bps | |
| Efficiency Ratio | 72.80% | 75.73% | 79.00% | 79.79% | 79.18% | 80.54% | 83.36% | 83.07% | +328 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.14% | -0.75% | -4.79% | -2.01% | -1.27% | -1.71% | -0.83% | -0.75% | +127 bps | |
| Loan Growth (YoY) | -0.07% | -2.48% | -5.27% | -5.60% | -6.67% | -5.75% | -2.45% | -0.49% | +511 bps | |
| Share Growth (YoY) | 2.50% | 0.11% | -4.60% | -2.23% | -2.33% | -2.62% | -1.80% | -1.67% | +56 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 1.91% | 1.43% | 1.62% | 1.94% | 1.77% | 1.29% | 1.47% | -16 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 | 14.29% | 14.09% | 14.09% | 14.39% | 14.75% | 14.48% | 14.35% | 14.65% | +26 bps | |
| Net Worth / Assets | 14.29% | 14.09% | 14.09% | 14.39% | 14.75% | 14.48% | 14.35% | 14.65% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.44% | 96.92% | 92.85% | 94.13% | 93.11% | 93.80% | 92.24% | 95.26% | +113 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |