PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

PWC Employees

Woodbridge, VA · Charter 24971

NCUA · 2 branches

Q2 2026

$86.3MAssets
$28.1MLoans
$75.4MShares
$12.1MNet 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 0.62%, down 2 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 1.27% of loans (+7 bps YoY).
  • Capital: net worth / assets of 13.96%, down 9 bps from a year ago.
  • Funding: loans stand at 37.27% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.62%-2 bps YoY

Net Interest Margin (quarter, annualized)

3.59%-9 bps YoY

Efficiency Ratio (quarter, annualized)

79.66%+348 bps YoY

Net Worth / Assets

13.96%-9 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.65%0.63%0.76%0.62%-2 bps
Return on Equity4.50%4.64%4.46%5.46%4.41%-9 bps
Net Interest Margin3.67%3.64%3.64%3.47%3.59%-9 bps
Efficiency Ratio76.18%76.20%77.71%78.98%79.66%+348 bps
Growth
Asset Growth (YoY)n/an/an/a7.16%5.25%n/a
Loan Growth (YoY)n/an/an/a-11.38%-11.50%n/a
Share Growth (YoY)n/an/an/a7.33%4.68%n/a
Asset Quality
Delinquent Loans / Loans1.20%1.17%1.35%0.80%1.27%+7 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 Capital14.05%13.96%14.13%14.01%13.96%-9 bps
Net Worth / Assets14.05%13.96%14.13%14.01%13.96%-9 bps
Liquidity & Funding
Loans / Shares44.08%41.79%40.88%38.09%37.27%-681 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps