Norfolk, VA · Charter 20004
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.34% | 3.92% | 1.50% | 2.26% | 2.14% | 2.04% | 1.95% | 1.26% | -100 bps | |
| Return on Equity | 40.38% | 33.50% | 12.74% | 18.86% | 17.12% | 15.78% | 14.50% | 9.45% | -941 bps | |
| Net Interest Margin | 4.44% | 4.58% | 3.63% | 4.08% | 4.26% | 4.15% | 3.73% | 3.65% | -43 bps | |
| Efficiency Ratio | 52.79% | 52.76% | 59.33% | 45.62% | 50.48% | 51.62% | 47.79% | 65.54% | +1,992 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.90% | 8.24% | 14.55% | 15.74% | 3.34% | 7.44% | 4.14% | 1.42% | -1,431 bps | |
| Loan Growth (YoY) | -9.83% | -17.76% | 9.87% | 19.66% | 20.24% | 20.19% | 4.74% | -6.11% | -2,578 bps | |
| Share Growth (YoY) | 10.81% | 4.35% | 11.46% | 14.26% | 1.30% | 5.63% | 2.14% | -0.02% | -1,428 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.45% | 4.81% | 0.00% | 1.19% | 0.52% | 0.00% | 0.71% | 0.57% | -62 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 | 2.10% | 2.08% | 2.72% | 2.81% | 1.99% | 1.68% | 2.25% | 2.35% | -46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.76% | 11.70% | 11.75% | 11.97% | 12.52% | 12.93% | 13.46% | 13.32% | +135 bps | |
| Net Worth / Assets | 10.76% | 11.70% | 11.75% | 11.97% | 12.52% | 12.93% | 13.46% | 13.32% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.78% | 23.05% | 24.39% | 25.45% | 24.67% | 26.23% | 25.01% | 23.90% | -155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |