Richmond, VA · Charter 6670
NCUA · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | -0.09% | 5.07% | 3.00% | -1.18% | -0.92% | -4.86% | -1.70% | -470 bps | |
| Return on Equity | -0.90% | -1.03% | 54.18% | 35.26% | -19.97% | -15.51% | -91.05% | -31.79% | -6,706 bps | |
| Net Interest Margin | 3.05% | 3.16% | 13.92% | 7.80% | 3.36% | 3.75% | 5.79% | 5.44% | -236 bps | |
| Efficiency Ratio | 93.11% | 96.68% | 46.39% | 56.41% | 105.94% | 102.91% | 114.86% | 80.87% | +2,446 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.61% | -7.40% | -4.87% | 16.51% | 21.68% | 21.53% | 15.22% | -3.62% | -2,013 bps | |
| Loan Growth (YoY) | -3.74% | -0.21% | 5.79% | 23.39% | 65.27% | 58.56% | 57.14% | 34.86% | +1,147 bps | |
| Share Growth (YoY) | -9.25% | -8.48% | -7.99% | 14.59% | 25.79% | 23.44% | 19.11% | -1.54% | -1,613 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.91% | 1.06% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.41% | 8.40% | 9.35% | 8.50% | 5.91% | 5.91% | 5.34% | 5.36% | -315 bps | |
| Net Worth / Assets | 8.41% | 8.40% | 9.35% | 8.50% | 5.91% | 5.91% | 5.34% | 5.36% | -315 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.61% | 59.85% | 60.36% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |