Suffolk, VA · Charter 21367
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.73% | 0.20% | 0.44% | 0.21% | -35 bps | |
| Return on Equity | 2.85% | 3.48% | 0.95% | 2.02% | 0.97% | -188 bps | |
| Net Interest Margin | 4.98% | 5.29% | 5.18% | 5.39% | 4.99% | +1 bps | |
| Efficiency Ratio | 86.70% | 86.43% | 93.03% | 91.43% | 95.79% | +909 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.09% | -4.18% | -4.31% | -8.64% | -9.66% | -1,375 bps | |
| Loan Growth (YoY) | -16.85% | -18.59% | -16.60% | -14.33% | -13.48% | +338 bps | |
| Share Growth (YoY) | 4.26% | -5.59% | -6.43% | -11.90% | -12.85% | -1,710 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.46% | 5.05% | 6.53% | 8.30% | 12.10% | +264 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.25% | 1.82% | 1.59% | 1.64% | 1.08% | -117 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.63% | 21.06% | 20.93% | 21.69% | 21.73% | +210 bps | |
| Net Worth / Assets | 19.63% | 21.06% | 20.93% | 21.69% | 21.73% | +210 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.36% | 43.17% | 43.32% | 42.72% | 41.06% | -30 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |