PackageTrendsPeer
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Virginia Coop

Virginia, MN · Charter 63965

NCUA · 1 branch

Q2 2026

$45.7MAssets
$22.9MLoans
$40.6MShares
$5.1MNet Worth

Executive Summary

  • Earnings: ROA of 1.48%, up 11 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 0.86% of loans (+52 bps YoY).
  • Capital: net worth / assets of 11.07%, up 96 bps from a year ago.
  • Funding: loans stand at 56.46% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.48%+11 bps YoY

Net Interest Margin (YTD, annualized)

4.50%+8 bps YoY

Efficiency Ratio (YTD, annualized)

70.37%+269 bps YoY

Net Worth / Assets

11.07%+96 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%1.53%1.19%1.37%1.51%1.56%1.21%1.48%+11 bps
Return on Equity15.63%15.36%12.05%13.55%14.46%14.22%11.16%13.39%-17 bps
Net Interest Margin4.27%4.43%4.42%4.42%4.46%4.53%4.39%4.50%+8 bps
Efficiency Ratio69.01%69.28%67.38%67.68%67.77%68.20%71.48%70.37%+269 bps
Growth
Asset Growth (YoY)2.56%0.04%3.77%4.30%4.91%5.98%5.46%6.38%+207 bps
Loan Growth (YoY)-5.67%-6.90%-6.36%-7.25%-7.13%-6.27%-2.67%-1.76%+549 bps
Share Growth (YoY)0.94%-1.41%2.86%3.50%4.13%4.82%4.38%5.30%+181 bps
Asset Quality
Delinquent Loans / Loans0.37%0.65%0.49%0.34%0.54%0.49%0.40%0.86%+52 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 Capital9.39%9.96%9.85%10.11%10.47%10.96%10.86%11.07%+96 bps
Net Worth / Assets9.39%9.96%9.85%10.11%10.47%10.96%10.86%11.07%+96 bps
Liquidity & Funding
Loans / Shares68.24%67.18%62.01%60.52%60.86%60.07%57.82%56.46%-406 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%99.46%0.00%0.00%0 bps