Richmond, VA · Charter 24962
NCUA · 43 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.34% | 0.56% | 0.70% | 0.76% | 0.78% | 0.43% | 0.38% | -32 bps | |
| Return on Equity | 1.34% | 3.87% | 5.32% | 6.49% | 7.06% | 7.26% | 3.98% | 3.49% | -300 bps | |
| Net Interest Margin | 2.86% | 3.22% | 3.87% | 3.94% | 3.91% | 3.85% | 3.79% | 3.78% | -17 bps | |
| Efficiency Ratio | 78.42% | 75.94% | 74.58% | 71.99% | 70.63% | 71.71% | 78.18% | 79.31% | +733 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 3.03% | 5.72% | 5.02% | 5.37% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -0.26% | 0.75% | 0.84% | 1.30% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 5.62% | 5.77% | 4.48% | 5.27% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.04% | 0.90% | 0.96% | 0.97% | 1.07% | 0.90% | 1.05% | +9 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 | 10.34% | 8.74% | 10.52% | 10.74% | 10.77% | 10.75% | 10.69% | 10.75% | +2 bps | |
| Net Worth / Assets | 10.34% | 8.74% | 10.52% | 10.74% | 10.77% | 10.75% | 10.69% | 10.75% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.99% | 88.57% | 86.08% | 86.75% | 84.97% | 84.37% | 83.08% | 83.48% | -327 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |