Christiansted, VI · Charter 23811
NCUA · 2 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 | 1.12% | 1.34% | 1.93% | 1.78% | 1.91% | 1.65% | -0.45% | -0.08% | -186 bps | |
| Return on Equity | 12.52% | 14.57% | 21.26% | 18.78% | 19.13% | 16.10% | -4.46% | -0.76% | -1,954 bps | |
| Net Interest Margin | 4.35% | 4.38% | 4.80% | 4.79% | 4.81% | 4.95% | 4.77% | 4.49% | -30 bps | |
| Efficiency Ratio | 72.77% | 68.90% | 54.08% | 60.85% | 62.34% | 68.30% | 83.32% | 87.95% | +2,710 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.47% | -2.02% | 7.01% | 7.07% | 7.56% | 7.11% | -0.49% | -2.30% | -937 bps | |
| Loan Growth (YoY) | -9.23% | -11.42% | -9.52% | -2.15% | 8.25% | 18.52% | 22.41% | 10.47% | +1,262 bps | |
| Share Growth (YoY) | -4.61% | -3.52% | 5.52% | 5.57% | 5.76% | 5.30% | -1.85% | -5.06% | -1,063 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.41% | 0.53% | 1.60% | 1.19% | 1.37% | 0.38% | 0.19% | 0.41% | -78 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 | 8.97% | 9.22% | 9.10% | 9.47% | 9.96% | 10.22% | 10.06% | 10.05% | +58 bps | |
| Net Worth / Assets | 8.97% | 9.22% | 9.10% | 9.47% | 9.96% | 10.22% | 10.06% | 10.05% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.83% | 27.87% | 25.69% | 27.45% | 29.51% | 31.37% | 32.04% | 31.94% | +449 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |