Franklin, VA · Charter 4616
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 | 0.90% | 0.85% | 0.75% | 0.61% | 0.58% | -31 bps | |
| Return on Equity | 8.41% | 8.02% | 7.05% | 5.86% | 5.55% | -286 bps | |
| Net Interest Margin | 4.51% | 4.43% | 4.40% | 4.33% | 4.38% | -13 bps | |
| Efficiency Ratio | 71.28% | 71.96% | 72.36% | 76.14% | 75.02% | +374 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.07% | 8.91% | 8.51% | 7.14% | 7.12% | +105 bps | |
| Loan Growth (YoY) | 15.29% | 22.84% | 24.85% | 15.15% | 4.59% | -1,069 bps | |
| Share Growth (YoY) | 5.49% | 8.75% | 8.70% | 7.44% | 7.27% | +178 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.68% | 1.22% | 1.35% | 0.59% | 1.37% | +69 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 | 10.65% | 10.59% | 10.58% | 10.37% | 10.53% | -11 bps | |
| Net Worth / Assets | 10.65% | 10.59% | 10.58% | 10.37% | 10.53% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.23% | 81.11% | 81.36% | 77.45% | 77.25% | -197 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |