South Chesterfi, VA · Charter 3029
NCUA · 2 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 | 0.97% | 0.99% | 0.93% | -0.16% | 0.64% | -33 bps | |
| Return on Equity | 11.65% | 11.52% | 10.52% | -1.96% | 6.96% | -469 bps | |
| Net Interest Margin | 5.81% | 5.87% | 5.98% | 5.56% | 5.93% | +12 bps | |
| Efficiency Ratio | 80.10% | 78.32% | 79.96% | 82.43% | 80.74% | +63 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.91% | 3.13% | 4.60% | 1.74% | -1.47% | -539 bps | |
| Loan Growth (YoY) | -3.81% | -4.52% | -1.86% | -4.42% | -2.16% | +165 bps | |
| Share Growth (YoY) | 4.57% | 3.41% | 3.06% | 0.14% | -3.25% | -782 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.97% | 0.75% | 1.68% | 1.87% | 1.93% | +95 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 | 8.30% | 8.60% | 8.88% | 8.42% | 9.16% | +86 bps | |
| Net Worth / Assets | 8.30% | 8.60% | 8.88% | 8.42% | 9.16% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.68% | 67.91% | 69.85% | 64.01% | 67.43% | +75 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |