Buckingham, VA · Charter 23974
NCUA · 1 branch
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 | 0.16% | 0.16% | 0.16% | 0.49% | 0.46% | 0.41% | 0.44% | 0.55% | +6 bps | |
| Return on Equity | 0.60% | 0.57% | 0.59% | 1.78% | 1.65% | 1.49% | 1.57% | 1.70% | -9 bps | |
| Net Interest Margin | 2.63% | 2.72% | 2.91% | 3.12% | 3.19% | 3.16% | 3.22% | 3.85% | +73 bps | |
| Efficiency Ratio | 94.01% | 94.40% | 94.41% | 84.40% | 83.86% | 84.23% | 81.06% | 80.59% | -381 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.22% | -4.88% | -5.21% | -1.44% | -0.96% | 1.77% | 1.00% | -13.46% | -1,201 bps | |
| Loan Growth (YoY) | 9.10% | 9.21% | 9.61% | -8.93% | -9.04% | -9.45% | -13.14% | -9.56% | -63 bps | |
| Share Growth (YoY) | -10.55% | -6.91% | -7.30% | -2.31% | 1.56% | 1.83% | 0.65% | -19.30% | -1,699 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 5.51% | 5.67% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.61% | 0.61% | 0.64% | 0.55% | 0.64% | 0.76% | 0.87% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.32% | 27.94% | 27.78% | 27.58% | 27.96% | 27.86% | 27.99% | 32.34% | +476 bps | |
| Net Worth / Assets | 27.32% | 27.94% | 27.78% | 27.58% | 27.96% | 27.86% | 27.99% | 32.34% | +476 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.76% | 81.96% | 81.66% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |