Norfolk, VA · Charter 19973
NCUA · 1 branch
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 | -0.49% | -0.44% | -1.48% | -0.57% | -0.33% | -1.09% | -2.51% | -1.19% | -62 bps | |
| Return on Equity | -3.34% | -2.89% | -9.73% | -3.51% | -2.07% | -7.09% | -17.59% | -8.35% | -484 bps | |
| Net Interest Margin | 3.93% | 4.16% | 4.05% | 4.39% | 4.35% | 4.57% | 4.30% | 4.53% | +13 bps | |
| Efficiency Ratio | 107.52% | 106.81% | 107.90% | 100.42% | 99.61% | 97.32% | 109.55% | 103.64% | +322 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.39% | -8.38% | -11.70% | -15.06% | -8.78% | -6.60% | -1.92% | 3.36% | +1,843 bps | |
| Loan Growth (YoY) | 14.15% | 11.22% | 5.85% | -9.83% | -11.65% | -15.35% | -17.58% | -17.21% | -738 bps | |
| Share Growth (YoY) | -15.26% | -13.43% | -13.88% | -10.13% | -3.85% | -1.22% | 0.84% | 5.33% | +1,545 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.17% | 0.00% | 0.86% | 1.86% | 1.06% | 2.67% | 2.89% | +203 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 | 0.19% | 0.32% | 0.55% | 0.45% | 0.45% | 0.66% | 0.90% | 1.02% | +57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.61% | 15.32% | 15.25% | 16.17% | 15.71% | 15.31% | 14.24% | 14.27% | -190 bps | |
| Net Worth / Assets | 14.61% | 15.32% | 15.25% | 16.17% | 15.71% | 15.31% | 14.24% | 14.27% | -190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.03% | 81.44% | 76.05% | 77.13% | 72.62% | 69.79% | 62.16% | 60.62% | -1,651 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |