Richmond, VA · Charter 6670
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.00% | -1.18% | -0.92% | -4.86% | -1.70% | -470 bps | |
| Return on Equity | 35.26% | -19.97% | -15.51% | -91.05% | -31.79% | -6,706 bps | |
| Net Interest Margin | 7.80% | 3.36% | 3.75% | 5.79% | 5.44% | -236 bps | |
| Efficiency Ratio | 56.41% | 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 / Loans | 0.74% | 0.72% | 1.07% | 1.61% | 1.85% | +112 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.50% | 5.91% | 5.91% | 5.34% | 5.36% | -315 bps | |
| Net Worth / Assets | 8.50% | 5.91% | 5.91% | 5.34% | 5.36% | -315 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.61% | 75.69% | 76.88% | 79.63% | 81.64% | +2,203 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |