Buckingham, VA · Charter 23974
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 | 0.49% | 0.46% | 0.41% | 0.44% | 0.55% | +6 bps | |
| Return on Equity | 1.78% | 1.65% | 1.49% | 1.57% | 1.70% | -9 bps | |
| Net Interest Margin | 3.12% | 3.19% | 3.16% | 3.22% | 3.85% | +73 bps | |
| Efficiency Ratio | 84.40% | 83.86% | 84.23% | 81.06% | 80.59% | -381 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.44% | -0.96% | 1.77% | 1.00% | -13.46% | -1,201 bps | |
| Loan Growth (YoY) | -8.93% | -9.04% | -9.45% | -13.14% | -9.56% | -63 bps | |
| Share Growth (YoY) | -2.31% | 1.56% | 1.83% | 0.65% | -19.30% | -1,699 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 1.65% | 2.50% | 1.90% | 1.54% | +98 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.55% | 0.64% | 0.76% | 0.87% | +23 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.58% | 27.96% | 27.86% | 27.99% | 32.34% | +476 bps | |
| Net Worth / Assets | 27.58% | 27.96% | 27.86% | 27.99% | 32.34% | +476 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.69% | 75.02% | 72.88% | 70.48% | 83.71% | +901 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |