Norfolk, VA · Charter 22049
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 | 0.43% | -0.01% | -0.58% | -0.38% | -0.33% | 0.01% | 0.24% | 0.54% | +93 bps | |
| Return on Equity | 5.17% | -0.17% | -8.23% | -5.42% | -4.48% | 0.15% | 3.63% | 7.08% | +1,251 bps | |
| Net Interest Margin | 5.61% | 5.44% | 4.57% | 4.72% | 5.22% | 5.00% | 4.10% | 5.20% | +47 bps | |
| Efficiency Ratio | 93.57% | 100.20% | 110.28% | 106.20% | 104.87% | 102.57% | 95.90% | 92.41% | -1,379 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.82% | -3.35% | -2.60% | 2.87% | 3.72% | 10.92% | 9.14% | 1.62% | -126 bps | |
| Loan Growth (YoY) | -2.76% | -9.06% | -2.57% | -2.82% | 2.89% | 22.16% | 32.32% | 27.09% | +2,991 bps | |
| Share Growth (YoY) | -5.28% | -4.16% | -2.60% | 3.72% | 4.54% | 15.00% | 9.91% | 0.90% | -282 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0 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 | 0.90% | 0.95% | 0.95% | 0.91% | 1.12% | 0.51% | 0.48% | 0.47% | -45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.25% | 7.92% | 7.05% | 7.08% | 7.39% | 7.15% | 6.60% | 7.65% | +57 bps | |
| Net Worth / Assets | 8.25% | 7.92% | 7.05% | 7.08% | 7.39% | 7.15% | 6.60% | 7.65% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.21% | 40.32% | 35.92% | 38.53% | 42.53% | 42.83% | 43.24% | 48.52% | +1,000 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |