PackageTrendsPeer
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Volt

Springfield, MO · Charter 63389

NCUA · 3 branches

Q2 2026

$85.8MAssets
$59.8MLoans
$78.0MShares
$7.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.91%, down 46 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.14% of loans (-7 bps YoY).
  • Capital: net worth / assets of 8.39%, down 70 bps from a year ago.
  • Funding: loans stand at 76.66% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.91%-46 bps YoY

Net Interest Margin (quarter, annualized)

4.10%+15 bps YoY

Efficiency Ratio (quarter, annualized)

107.86%+884 bps YoY

Net Worth / Assets

8.39%-70 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.44%-0.29%-0.29%-1.50%-0.91%-46 bps
Return on Equity-4.86%-3.24%-3.19%-17.37%-10.80%-594 bps
Net Interest Margin3.95%3.97%4.08%4.03%4.10%+15 bps
Efficiency Ratio99.02%97.77%96.87%111.19%107.86%+884 bps
Growth
Asset Growth (YoY)-4.62%-1.64%-3.22%-0.58%1.89%+651 bps
Loan Growth (YoY)5.28%2.48%-0.33%1.71%1.33%-396 bps
Share Growth (YoY)-1.36%-0.51%-2.21%-0.24%5.66%+702 bps
Asset Quality
Delinquent Loans / Loans0.21%0.09%0.30%0.12%0.14%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.09%8.97%9.09%8.63%8.39%-70 bps
Net Worth / Assets9.09%8.97%9.09%8.63%8.39%-70 bps
Liquidity & Funding
Loans / Shares79.94%78.67%79.40%78.82%76.66%-328 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps