Charlottesville, VA · Charter 62504
NCUA · 14 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.57% | 0.61% | 0.58% | 0.77% | +28 bps | |
| Return on Equity | 4.86% | 5.68% | 6.09% | 5.79% | 7.41% | +254 bps | |
| Net Interest Margin | 3.22% | 3.26% | 3.24% | 3.34% | 3.40% | +18 bps | |
| Efficiency Ratio | 80.22% | 79.07% | 78.17% | 76.64% | 75.48% | -474 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.92% | 4.73% | 6.40% | 4.70% | 4.32% | -60 bps | |
| Loan Growth (YoY) | 10.17% | 12.14% | 12.11% | 13.77% | 10.43% | +26 bps | |
| Share Growth (YoY) | 4.32% | 4.43% | 6.00% | 4.27% | 3.90% | -42 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.52% | 0.61% | 0.68% | 0.57% | +6 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 | 10.01% | 10.08% | 10.06% | 10.06% | 10.34% | +33 bps | |
| Net Worth / Assets | 10.01% | 10.08% | 10.06% | 10.06% | 10.34% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.22% | 69.88% | 69.88% | 69.79% | 72.51% | +428 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |