Suffolk, VA · Charter 5970
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 | 0.93% | 0.83% | 0.20% | -4.13% | -0.50% | -142 bps | |
| Return on Equity | 3.32% | 3.05% | 0.73% | -15.65% | -1.84% | -516 bps | |
| Net Interest Margin | 5.83% | 5.51% | 5.57% | 4.81% | 5.01% | -82 bps | |
| Efficiency Ratio | 73.79% | 79.78% | 87.87% | 101.97% | 97.46% | +2,366 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.33% | 0.76% | 1.90% | 2.12% | 2.53% | +485 bps | |
| Loan Growth (YoY) | -5.47% | -8.50% | -10.50% | -10.83% | -7.21% | -174 bps | |
| Share Growth (YoY) | -5.26% | -0.72% | 1.53% | 2.43% | 3.33% | +859 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.28% | 10.34% | 5.88% | 11.35% | 8.12% | -16 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 | 27.94% | 27.35% | 27.20% | 26.39% | 26.95% | -99 bps | |
| Net Worth / Assets | 27.94% | 27.35% | 27.20% | 26.39% | 26.95% | -99 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.65% | 55.85% | 53.32% | 50.96% | 51.77% | -588 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |