Alexandria, VA · Charter 233
NCUA · 7 branches
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 | -0.23% | 0.24% | 0.15% | 0.13% | 0.14% | 0.23% | 0.13% | 0.09% | -5 bps | |
| Return on Equity | -2.49% | 2.44% | 1.49% | 1.27% | 1.37% | 2.20% | 1.21% | 0.85% | -42 bps | |
| Net Interest Margin | 2.64% | 2.62% | 2.93% | 3.21% | 3.23% | 3.24% | 3.18% | 3.48% | +27 bps | |
| Efficiency Ratio | 103.03% | 92.07% | 93.89% | 87.67% | 89.53% | 87.94% | 92.57% | 93.08% | +541 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.73% | -10.42% | -8.37% | -7.97% | -5.34% | -2.90% | -2.60% | -2.16% | +581 bps | |
| Loan Growth (YoY) | -11.88% | -13.51% | -10.21% | -5.90% | -5.67% | -4.03% | -4.63% | -5.89% | +1 bps | |
| Share Growth (YoY) | -9.66% | -10.75% | -10.01% | -11.58% | -6.87% | -3.98% | -3.29% | -2.42% | +916 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.57% | 0.65% | 0.72% | 0.47% | 0.95% | 0.66% | 0.49% | -23 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.39% | 9.96% | 9.94% | 10.33% | 10.38% | 10.41% | 10.35% | 10.02% | -31 bps | |
| Net Worth / Assets | 9.39% | 9.96% | 9.94% | 10.33% | 10.38% | 10.41% | 10.35% | 10.02% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.46% | 85.64% | 85.05% | 88.10% | 87.57% | 85.59% | 83.87% | 84.97% | -313 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |