Lynchburg, VA · Charter 22307
NCUA · 5 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 | 1.57% | 1.65% | 1.60% | 1.31% | 1.38% | -19 bps | |
| Return on Equity | 13.76% | 13.88% | 13.08% | 10.89% | 10.93% | -283 bps | |
| Net Interest Margin | 4.64% | 4.72% | 4.74% | 4.41% | 4.55% | -9 bps | |
| Efficiency Ratio | 67.81% | 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 / Loans | 1.76% | 1.58% | 1.35% | 1.22% | 1.59% | -16 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 | 11.38% | 11.88% | 12.23% | 12.04% | 12.60% | +121 bps | |
| Net Worth / Assets | 11.38% | 11.88% | 12.23% | 12.04% | 12.60% | +121 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.22% | 71.13% | 71.52% | 67.58% | 68.54% | -68 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |