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Letter portraitLegal landscapeQuarterYTD

Newport News Shipbuilding Employees

Newport News, VA · Charter 61330

NCUA · 30 branches

Q2 2025

$2.7BAssets
$2.1BLoans
$2.3BShares
$288.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.62%, up 18 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.68% of loans (-3 bps YoY).
  • Capital: net worth / assets of 10.84%, up 5 bps from a year ago.
  • Funding: loans stand at 95.39% of shares as of Q2 2025.

Return on Assets (quarter, annualized)

0.62%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.99%+52 bps YoY

Efficiency Ratio (quarter, annualized)

71.91%-272 bps YoY

Net Worth / Assets

10.84%+5 bps YoY

Discrete quarter, annualized.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets1.19%1.04%0.48%0.44%0.56%0.66%0.03%0.62%+18 bps
Return on Equity10.84%9.34%4.68%4.06%5.44%6.14%0.32%5.75%+169 bps
Net Interest Margin3.32%3.36%3.25%3.47%3.39%3.54%3.86%3.99%+52 bps
Efficiency Ratio78.09%75.25%73.53%74.64%74.48%72.87%81.53%71.91%-272 bps
Growth
Asset Growth (YoY)7.65%6.49%14.57%6.68%9.48%7.75%0.48%3.94%-274 bps
Loan Growth (YoY)9.12%7.49%8.50%11.68%12.69%12.99%11.83%10.03%-165 bps
Share Growth (YoY)2.83%3.86%4.84%4.30%4.82%5.63%5.76%5.68%+138 bps
Asset Quality
Delinquent Loans / Loans0.82%0.90%0.71%0.70%0.75%0.89%0.67%0.68%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.97%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.98%11.13%10.32%10.79%10.33%10.73%10.52%10.84%+5 bps
Net Worth / Assets10.98%11.13%10.32%10.79%10.33%10.73%10.52%10.84%+5 bps
Liquidity & Funding
Loans / Shares86.11%87.57%87.32%91.62%92.58%93.67%92.33%95.39%+377 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps