Alexandria, VA · Charter 435
NCUA · 7 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.34% | 0.24% | 0.24% | 0.24% | 0.30% | 0.48% | 0.49% | +25 bps | |
| Return on Equity | 3.56% | 3.21% | 2.31% | 2.28% | 2.26% | 2.81% | 4.54% | 4.57% | +229 bps | |
| Net Interest Margin | 2.09% | 2.10% | 2.20% | 2.23% | 2.28% | 2.27% | 2.44% | 2.46% | +22 bps | |
| Efficiency Ratio | 75.37% | 74.86% | 75.12% | 71.97% | 72.95% | 72.24% | 70.60% | 69.68% | -229 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.69% | 3.72% | 5.65% | 2.89% | 0.00% | 1.15% | -0.37% | 0.39% | -250 bps | |
| Loan Growth (YoY) | 5.86% | 5.84% | 4.21% | 0.19% | -3.34% | 2.23% | 3.79% | 9.50% | +931 bps | |
| Share Growth (YoY) | 5.97% | 6.40% | 6.77% | 3.23% | 2.02% | 1.32% | 1.12% | 2.28% | -95 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 1.14% | 1.02% | 1.07% | 0.98% | 1.00% | 0.90% | 0.86% | -22 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 | 10.53% | 10.46% | 10.35% | 10.49% | 10.67% | 10.54% | 10.65% | 10.78% | +29 bps | |
| Net Worth / Assets | 10.53% | 10.46% | 10.35% | 10.49% | 10.67% | 10.54% | 10.65% | 10.78% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.74% | 63.18% | 61.54% | 61.22% | 60.39% | 63.75% | 63.16% | 65.55% | +432 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |