Harrisonburg, VA · Charter 24281
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 | 0.03% | 0.07% | -0.48% | -0.24% | -0.29% | -0.32% | -0.33% | 0.02% | +26 bps | |
| Return on Equity | 0.31% | 0.71% | -5.48% | -2.62% | -3.21% | -3.58% | -4.13% | 0.23% | +285 bps | |
| Net Interest Margin | 7.33% | 7.96% | 7.16% | 7.43% | 7.23% | 7.19% | 6.52% | 6.74% | -69 bps | |
| Efficiency Ratio | 97.93% | 97.30% | 104.06% | 101.47% | 102.34% | 102.84% | 103.74% | 99.79% | -168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.83% | -13.67% | -18.29% | -18.79% | -13.87% | -6.46% | -0.22% | 1.47% | +2,026 bps | |
| Loan Growth (YoY) | -6.36% | -6.53% | -8.00% | -10.83% | -14.59% | -14.11% | -11.28% | -4.62% | +620 bps | |
| Share Growth (YoY) | -9.46% | -13.46% | -18.36% | -20.08% | -14.57% | -6.74% | 0.06% | 1.95% | +2,203 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.10% | 1.56% | 1.30% | 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 | 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 | 8.40% | 9.29% | 8.74% | 9.22% | 9.07% | 9.07% | 8.03% | 8.42% | -80 bps | |
| Net Worth / Assets | 8.40% | 9.29% | 8.74% | 9.22% | 9.07% | 9.07% | 8.03% | 8.42% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.37% | 90.47% | 85.72% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |