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Letter portraitLegal landscapeQuarterYTD

University of VA Community CU

Charlottesville, VA · Charter 62504

NCUA · 14 branches

Q2 2026

$1.6BAssets
$1.0BLoans
$1.4BShares
$167.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.77%, up 28 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.57% of loans (+6 bps YoY).
  • Capital: net worth / assets of 10.34%, up 33 bps from a year ago.
  • Funding: loans stand at 72.51% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.77%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.40%+18 bps YoY

Efficiency Ratio (quarter, annualized)

75.48%-474 bps YoY

Net Worth / Assets

10.34%+33 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.00%0.42%0.49%0.57%0.61%0.58%0.77%+28 bps
Return on Equity12.00%9.92%4.24%4.86%5.68%6.09%5.79%7.41%+254 bps
Net Interest Margin3.02%3.05%3.13%3.22%3.26%3.24%3.34%3.40%+18 bps
Efficiency Ratio68.72%71.77%81.58%80.22%79.07%78.17%76.64%75.48%-474 bps
Growth
Asset Growth (YoY)7.00%4.03%5.46%4.92%4.73%6.40%4.70%4.32%-60 bps
Loan Growth (YoY)7.47%6.78%5.86%10.17%12.14%12.11%13.77%10.43%+26 bps
Share Growth (YoY)5.02%3.14%4.81%4.32%4.43%6.00%4.27%3.90%-42 bps
Asset Quality
Delinquent Loans / Loans0.94%0.75%0.43%0.51%0.52%0.61%0.68%0.57%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.02%10.06%9.86%10.01%10.08%10.06%10.06%10.34%+33 bps
Net Worth / Assets10.02%10.06%9.86%10.01%10.08%10.06%10.06%10.34%+33 bps
Liquidity & Funding
Loans / Shares65.08%66.07%63.96%68.22%69.88%69.88%69.79%72.51%+428 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps