Harrisonburg, VA · Charter 24281
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.24% | -0.29% | -0.32% | -0.33% | 0.02% | +26 bps | |
| Return on Equity | -2.62% | -3.21% | -3.58% | -4.13% | 0.23% | +285 bps | |
| Net Interest Margin | 7.43% | 7.23% | 7.19% | 6.52% | 6.74% | -69 bps | |
| Efficiency Ratio | 101.47% | 102.34% | 102.84% | 103.74% | 99.79% | -168 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.79% | -13.87% | -6.46% | -0.22% | 1.47% | +2,026 bps | |
| Loan Growth (YoY) | -10.83% | -14.59% | -14.11% | -11.28% | -4.62% | +620 bps | |
| Share Growth (YoY) | -20.08% | -14.57% | -6.74% | 0.06% | 1.95% | +2,203 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 1.53% | 2.05% | 1.86% | 2.21% | +93 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.22% | 9.07% | 9.07% | 8.03% | 8.42% | -80 bps | |
| Net Worth / Assets | 9.22% | 9.07% | 9.07% | 8.03% | 8.42% | -80 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.16% | 81.35% | 83.32% | 76.01% | 80.60% | -556 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |