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Roanoke Valley Community

Roanoke, VA · Charter 5604

NCUA · 4 branches

Q2 2026

$107.4MAssets
$77.2MLoans
$89.5MShares
$17.5MNet 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 1.47%, up 5 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 0.34% of loans (-33 bps YoY).
  • Capital: net worth / assets of 16.31%, up 81 bps from a year ago.
  • Funding: loans stand at 86.26% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.47%+5 bps YoY

Net Interest Margin (quarter, annualized)

4.29%+32 bps YoY

Efficiency Ratio (quarter, annualized)

70.59%+109 bps YoY

Net Worth / Assets

16.31%+81 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.57%1.54%1.55%1.47%+5 bps
Return on Equity9.15%9.76%9.49%9.70%9.02%-13 bps
Net Interest Margin3.96%4.04%4.08%4.26%4.29%+32 bps
Efficiency Ratio69.50%67.66%68.51%69.07%70.59%+109 bps
Growth
Asset Growth (YoY)-1.99%-5.70%-2.56%1.80%4.86%+685 bps
Loan Growth (YoY)19.41%11.20%8.35%2.67%2.14%-1,727 bps
Share Growth (YoY)-0.66%1.70%0.37%1.45%3.90%+456 bps
Asset Quality
Delinquent Loans / Loans0.67%0.96%0.27%0.25%0.34%-33 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 Capital15.50%16.04%16.19%16.01%16.31%+81 bps
Net Worth / Assets15.50%16.04%16.19%16.01%16.31%+81 bps
Liquidity & Funding
Loans / Shares87.74%90.69%91.79%86.36%86.26%-148 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps