Suffolk, VA · Charter 5970
NCUA · 1 branch
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 | 1.56% | 1.47% | 0.54% | 0.93% | 0.83% | 0.20% | -4.13% | -0.50% | -142 bps | |
| Return on Equity | 5.87% | 5.37% | 1.99% | 3.32% | 3.05% | 0.73% | -15.65% | -1.84% | -516 bps | |
| Net Interest Margin | 6.29% | 6.39% | 5.79% | 5.83% | 5.51% | 5.57% | 4.81% | 5.01% | -82 bps | |
| Efficiency Ratio | 68.38% | 72.15% | 69.13% | 73.79% | 79.78% | 87.87% | 101.97% | 97.46% | +2,366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.18% | -3.52% | -0.83% | -2.33% | 0.76% | 1.90% | 2.12% | 2.53% | +485 bps | |
| Loan Growth (YoY) | 5.12% | -4.28% | -1.93% | -5.47% | -8.50% | -10.50% | -10.83% | -7.21% | -174 bps | |
| Share Growth (YoY) | -3.31% | -6.13% | -3.77% | -5.26% | -0.72% | 1.53% | 2.43% | 3.33% | +859 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.20% | 9.74% | 10.82% | 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 | 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 | 26.67% | 27.27% | 27.03% | 27.94% | 27.35% | 27.20% | 26.39% | 26.95% | -99 bps | |
| Net Worth / Assets | 26.67% | 27.27% | 27.03% | 27.94% | 27.35% | 27.20% | 26.39% | 26.95% | -99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.60% | 60.49% | 58.53% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |