Roanoke, VA · Charter 22322
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 | -0.80% | -1.48% | -1.89% | -5.69% | -19.19% | -1,839 bps | |
| Return on Equity | -4.96% | -9.39% | -12.07% | -40.28% | -232% | -22,665 bps | |
| Net Interest Margin | 3.65% | 3.57% | 3.76% | 2.68% | 3.40% | -25 bps | |
| Efficiency Ratio | 115.72% | 134.01% | 125.67% | 162.71% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -2.77% | -3.84% | -5.84% | -5.62% | -17.14% | -1,437 bps | |
| Loan Growth (YoY) | -8.00% | -8.55% | -10.58% | -16.32% | -28.20% | -2,020 bps | |
| Share Growth (YoY) | -1.81% | -1.91% | -4.44% | -3.27% | -9.56% | -775 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.34% | 2.15% | 2.99% | 0.74% | 1.32% | -202 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 1.23% | 2.66% | 1.07% | 7.43% | +654 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.21% | 15.80% | 15.69% | 14.12% | 8.29% | -792 bps | |
| Net Worth / Assets | 16.21% | 15.80% | 15.69% | 14.12% | 8.29% | -792 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.41% | 59.78% | 59.91% | 53.35% | 50.34% | -1,307 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |