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Letter portraitLegal landscapeQuarterYTD

Virginia United Methodist

North Chesterfi, VA · Charter 62536

NCUA · 1 branch

Q2 2026

$15.0MAssets
$13.1MLoans
$13.5MShares
$1.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.10%, up 2 bps year over year; NIM at 5.27%.
  • Asset quality: problem loans at 5.95% of loans (+209 bps YoY).
  • Capital: net worth / assets of 10.18%, up 127 bps from a year ago.
  • Funding: loans stand at 97.61% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.10%+2 bps YoY

Net Interest Margin (YTD, annualized)

5.27%+76 bps YoY

Efficiency Ratio (YTD, annualized)

95.02%+147 bps YoY

Net Worth / Assets

10.18%+127 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.07%0.09%0.09%0.09%0.09%0.08%0.10%+2 bps
Return on Equity0.77%0.79%1.05%0.96%0.98%0.94%0.84%0.99%+3 bps
Net Interest Margin4.23%4.12%4.09%4.52%4.76%5.00%4.67%5.27%+76 bps
Efficiency Ratio97.67%97.00%94.32%93.55%94.23%92.37%96.50%95.02%+147 bps
Growth
Asset Growth (YoY)-2.93%-0.32%8.34%-3.04%-4.81%-10.63%-10.66%-11.66%-862 bps
Loan Growth (YoY)9.38%2.67%6.06%13.73%9.18%5.52%1.41%-7.14%-2,088 bps
Share Growth (YoY)-3.31%-0.80%8.97%-3.42%-5.40%-11.21%-11.83%-13.07%-965 bps
Asset Quality
Delinquent Loans / Loans2.45%3.40%3.31%3.87%4.63%4.17%4.59%5.95%+209 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 Capital8.85%8.57%8.14%8.91%9.39%9.68%9.19%10.18%+127 bps
Net Worth / Assets8.85%8.57%8.14%8.91%9.39%9.68%9.19%10.18%+127 bps
Liquidity & Funding
Loans / Shares81.68%80.66%77.88%91.38%94.27%95.86%89.57%97.61%+623 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps