PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central Virginia

Lynchburg, VA · Charter 22307

NCUA · 5 branches

Q2 2026

$197.8MAssets
$117.3MLoans
$171.2MShares
$24.9MNet Worth

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.44%1.35%1.57%1.65%1.60%1.31%1.38%-19 bps
Return on Equity13.77%13.30%12.57%13.76%13.88%13.08%10.89%10.93%-283 bps
Net Interest Margin4.22%4.25%4.46%4.64%4.72%4.74%4.41%4.55%-9 bps
Efficiency Ratio69.87%70.09%69.60%67.81%67.44%68.53%73.16%71.80%+400 bps
Growth
Asset Growth (YoY)-6.01%-3.50%1.96%2.22%2.22%1.22%2.32%2.13%-9 bps
Loan Growth (YoY)0.04%5.37%8.21%8.35%8.90%3.71%0.26%-0.08%-843 bps
Share Growth (YoY)-8.05%-5.53%0.44%0.80%0.73%-0.48%0.89%0.91%+11 bps
Asset Quality
Delinquent Loans / Loans1.94%1.42%1.05%1.76%1.58%1.35%1.22%1.59%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.55%10.79%10.78%11.38%11.88%12.23%12.04%12.60%+121 bps
Net Worth / Assets10.55%10.79%10.78%11.38%11.88%12.23%12.04%12.60%+121 bps
Liquidity & Funding
Loans / Shares65.79%68.63%68.01%69.22%71.13%71.52%67.58%68.54%-68 bps
Liquid Assets / Assets0.00%99.75%0.00%0.00%0.00%0.00%0.00%0.00%0 bps