Chesterfield, VA · Charter 24313
NCUA · 5 branches
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 | 1.21% | 1.10% | 1.02% | 0.93% | 0.99% | -23 bps | |
| Return on Equity | 13.30% | 11.96% | 11.06% | 10.26% | 10.76% | -254 bps | |
| Net Interest Margin | 3.75% | 3.75% | 3.69% | 3.65% | 3.59% | -17 bps | |
| Efficiency Ratio | 63.57% | 66.22% | 68.31% | 73.48% | 72.77% | +920 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.15% | 6.09% | 7.22% | 7.68% | 10.07% | +92 bps | |
| Loan Growth (YoY) | -3.32% | -4.22% | -0.54% | 2.76% | 7.21% | +1,053 bps | |
| Share Growth (YoY) | 8.16% | 4.88% | 6.07% | 7.15% | 10.05% | +189 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 0.98% | 0.72% | 0.67% | 0.75% | -25 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 | 9.11% | 9.24% | 9.22% | 9.09% | 9.16% | +6 bps | |
| Net Worth / Assets | 9.11% | 9.24% | 9.22% | 9.09% | 9.16% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.50% | 65.51% | 65.85% | 63.71% | 64.78% | -172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |