Sterling, VA · Charter 21319
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.61% | 0.65% | 0.54% | 0.40% | -8 bps | |
| Return on Equity | 4.89% | 6.08% | 6.56% | 5.32% | 3.84% | -104 bps | |
| Net Interest Margin | 3.92% | 4.02% | 3.95% | 3.65% | 3.73% | -20 bps | |
| Efficiency Ratio | 80.48% | 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 / Loans | 0.82% | 0.91% | 0.73% | 1.15% | 1.11% | +29 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.73% | 9.99% | 9.93% | 10.08% | 10.32% | +60 bps | |
| Net Worth / Assets | 9.73% | 9.99% | 9.93% | 10.08% | 10.32% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.69% | 82.43% | 78.71% | 73.78% | 74.80% | -789 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |