PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central Virginia

Lynchburg, VA · Charter 22307

NCUA · 5 branches

Q2 2026

$197.8MAssets
$117.3MLoans
$171.2MShares
$24.9MNet 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 1.38%, down 19 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 1.59% of loans (-16 bps YoY).
  • Capital: net worth / assets of 12.60%, up 121 bps from a year ago.
  • Funding: loans stand at 68.54% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%-19 bps YoY

Net Interest Margin (YTD, annualized)

4.55%-9 bps YoY

Efficiency Ratio (YTD, annualized)

71.80%+400 bps YoY

Net Worth / Assets

12.60%+121 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.65%1.60%1.31%1.38%-19 bps
Return on Equity13.76%13.88%13.08%10.89%10.93%-283 bps
Net Interest Margin4.64%4.72%4.74%4.41%4.55%-9 bps
Efficiency Ratio67.81%67.44%68.53%73.16%71.80%+400 bps
Growth
Asset Growth (YoY)2.22%2.22%1.22%2.32%2.13%-9 bps
Loan Growth (YoY)8.35%8.90%3.71%0.26%-0.08%-843 bps
Share Growth (YoY)0.80%0.73%-0.48%0.89%0.91%+11 bps
Asset Quality
Delinquent Loans / Loans1.76%1.58%1.35%1.22%1.59%-16 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 Capital11.38%11.88%12.23%12.04%12.60%+121 bps
Net Worth / Assets11.38%11.88%12.23%12.04%12.60%+121 bps
Liquidity & Funding
Loans / Shares69.22%71.13%71.52%67.58%68.54%-68 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps