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Richmond, VA · Charter 6670

NCUA · 3 branches

Q2 2026

$98.1MAssets
$74.6MLoans
$91.4MShares
$5.3MNet 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 -1.70%, down 470 bps year over year; NIM at 5.44%.
  • Asset quality: problem loans at 1.85% of loans (+112 bps YoY).
  • Capital: net worth / assets of 5.36%, down 315 bps from a year ago.
  • Funding: loans stand at 81.64% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-1.70%-470 bps YoY

Net Interest Margin (YTD, annualized)

5.44%-236 bps YoY

Efficiency Ratio (YTD, annualized)

80.87%+2,446 bps YoY

Net Worth / Assets

5.36%-315 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.00%-1.18%-0.92%-4.86%-1.70%-470 bps
Return on Equity35.26%-19.97%-15.51%-91.05%-31.79%-6,706 bps
Net Interest Margin7.80%3.36%3.75%5.79%5.44%-236 bps
Efficiency Ratio56.41%105.94%102.91%114.86%80.87%+2,446 bps
Growth
Asset Growth (YoY)16.51%21.68%21.53%15.22%-3.62%-2,013 bps
Loan Growth (YoY)23.39%65.27%58.56%57.14%34.86%+1,147 bps
Share Growth (YoY)14.59%25.79%23.44%19.11%-1.54%-1,613 bps
Asset Quality
Delinquent Loans / Loans0.74%0.72%1.07%1.61%1.85%+112 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 Capital8.50%5.91%5.91%5.34%5.36%-315 bps
Net Worth / Assets8.50%5.91%5.91%5.34%5.36%-315 bps
Liquidity & Funding
Loans / Shares59.61%75.69%76.88%79.63%81.64%+2,203 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps