Waynesboro, VA · Charter 62474
NCUA · 15 branches
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 | 0.27% | 0.48% | 0.79% | 0.69% | 0.90% | 0.99% | 0.87% | 1.01% | +32 bps | |
| Return on Equity | 2.57% | 4.44% | 7.48% | 6.51% | 8.32% | 9.05% | 8.04% | 9.26% | +275 bps | |
| Net Interest Margin | 2.89% | 2.91% | 2.91% | 3.04% | 3.06% | 3.07% | 3.01% | 2.97% | -7 bps | |
| Efficiency Ratio | 89.80% | 84.68% | 77.58% | 79.55% | 76.06% | 74.69% | 76.17% | 73.92% | -563 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.26% | 4.04% | 5.03% | 6.66% | 8.02% | 7.41% | 7.33% | 8.27% | +162 bps | |
| Loan Growth (YoY) | 0.31% | -0.23% | -0.14% | 0.27% | 1.68% | 2.27% | 1.29% | 3.96% | +368 bps | |
| Share Growth (YoY) | 0.25% | 3.15% | 3.76% | 5.51% | 7.30% | 6.25% | 6.59% | 7.47% | +196 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.32% | 0.31% | 0.37% | 0.32% | 0.35% | 0.31% | 0.33% | -3 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 | 10.68% | 10.71% | 10.54% | 10.63% | 10.78% | 10.92% | 10.77% | 10.91% | +28 bps | |
| Net Worth / Assets | 10.68% | 10.71% | 10.54% | 10.63% | 10.78% | 10.92% | 10.77% | 10.91% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.07% | 68.72% | 66.19% | 66.62% | 66.39% | 66.14% | 62.90% | 64.44% | -218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |