PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Strategic

Sterling, VA · Charter 21319

NCUA · 2 branches

Q2 2026

$23.1MAssets
$15.4MLoans
$20.6MShares
$2.4MNet 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 0.40%, down 8 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 1.11% of loans (+29 bps YoY).
  • Capital: net worth / assets of 10.32%, up 60 bps from a year ago.
  • Funding: loans stand at 74.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.73%-20 bps YoY

Efficiency Ratio (YTD, annualized)

90.14%+966 bps YoY

Net Worth / Assets

10.32%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.61%0.65%0.54%0.40%-8 bps
Return on Equity4.89%6.08%6.56%5.32%3.84%-104 bps
Net Interest Margin3.92%4.02%3.95%3.65%3.73%-20 bps
Efficiency Ratio80.48%79.62%79.62%87.01%90.14%+966 bps
Growth
Asset Growth (YoY)4.42%1.90%2.46%0.68%0.29%-413 bps
Loan Growth (YoY)2.62%4.59%-0.88%-8.97%-9.76%-1,238 bps
Share Growth (YoY)4.44%1.80%2.01%-0.03%-0.24%-469 bps
Asset Quality
Delinquent Loans / Loans0.82%0.91%0.73%1.15%1.11%+29 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 Capital9.73%9.99%9.93%10.08%10.32%+60 bps
Net Worth / Assets9.73%9.99%9.93%10.08%10.32%+60 bps
Liquidity & Funding
Loans / Shares82.69%82.43%78.71%73.78%74.80%-789 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps