Norfolk, VA · Charter 3746
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.17% | 2.05% | 2.02% | 1.34% | 1.55% | -63 bps | |
| Return on Equity | 11.52% | 10.74% | 10.53% | 6.78% | 7.70% | -382 bps | |
| Net Interest Margin | 4.75% | 4.53% | 4.60% | 4.13% | 4.39% | -36 bps | |
| Efficiency Ratio | 60.17% | 60.11% | 59.90% | 69.48% | 67.21% | +704 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.90% | 3.25% | 5.50% | 0.81% | 2.81% | +191 bps | |
| Loan Growth (YoY) | -1.44% | -2.83% | -8.39% | -13.73% | -17.36% | -1,592 bps | |
| Share Growth (YoY) | -1.26% | 1.31% | 3.96% | -1.42% | 1.21% | +247 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.48% | 0.49% | 0.47% | 0.41% | -11 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 | 18.88% | 19.06% | 19.22% | 19.80% | 20.12% | +124 bps | |
| Net Worth / Assets | 18.88% | 19.06% | 19.22% | 19.80% | 20.12% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.20% | 35.96% | 33.38% | 31.37% | 30.38% | -683 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |