PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Virginia

Richmond, VA · Charter 24962

NCUA · 43 branches

Q2 2026

$7.4BAssets
$5.3BLoans
$6.4BShares
$793.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.38%, down 32 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 1.05% of loans (+9 bps YoY).
  • Capital: net worth / assets of 10.75%, up 2 bps from a year ago.
  • Funding: loans stand at 83.48% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.38%-32 bps YoY

Net Interest Margin (quarter, annualized)

3.78%-17 bps YoY

Efficiency Ratio (quarter, annualized)

79.31%+733 bps YoY

Net Worth / Assets

10.75%+2 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.76%0.78%0.43%0.38%-32 bps
Return on Equity6.49%7.06%7.26%3.98%3.49%-300 bps
Net Interest Margin3.94%3.91%3.85%3.79%3.78%-17 bps
Efficiency Ratio71.99%70.63%71.71%78.18%79.31%+733 bps
Growth
Asset Growth (YoY)n/a3.03%5.72%5.02%5.37%n/a
Loan Growth (YoY)n/a-0.26%0.75%0.84%1.30%n/a
Share Growth (YoY)n/a5.62%5.77%4.48%5.27%n/a
Asset Quality
Delinquent Loans / Loans0.96%0.97%1.07%0.90%1.05%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.74%10.77%10.75%10.69%10.75%+2 bps
Net Worth / Assets10.74%10.77%10.75%10.69%10.75%+2 bps
Liquidity & Funding
Loans / Shares86.75%84.97%84.37%83.08%83.48%-327 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps