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Letter portraitLegal landscapeQuarterYTD

Virginia Educators Credit Union

Newport News, VA · Charter 66700

NCUA · 2 branches

Q2 2026

$76.3MAssets
$7.5MLoans
$57.3MShares
$18.4MNet Worth

Executive Summary

  • Earnings: ROA of 1.92%, down 72 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.43% of loans (-1 bps YoY).
  • Capital: net worth / assets of 24.16%, up 189 bps from a year ago.
  • Funding: loans stand at 13.03% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.92%-72 bps YoY

Net Interest Margin (YTD, annualized)

3.49%-75 bps YoY

Efficiency Ratio (YTD, annualized)

50.59%+698 bps YoY

Net Worth / Assets

24.16%+189 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.33%3.37%2.43%2.65%2.69%2.67%1.85%1.92%-72 bps
Return on Equity16.55%15.84%11.44%11.87%11.70%11.36%7.86%7.96%-391 bps
Net Interest Margin4.99%4.99%4.03%4.25%4.22%4.17%3.36%3.49%-75 bps
Efficiency Ratio39.14%38.87%44.63%43.61%42.39%42.25%51.31%50.59%+698 bps
Growth
Asset Growth (YoY)-3.28%-4.51%-2.58%-0.47%-0.24%2.00%0.91%1.81%+227 bps
Loan Growth (YoY)-6.35%-5.61%-6.32%-0.50%-7.56%-5.75%-7.32%-7.77%-727 bps
Share Growth (YoY)-7.96%-9.28%-6.73%-4.25%-4.06%-1.36%-2.22%-1.09%+316 bps
Asset Quality
Delinquent Loans / Loans1.03%0.86%0.29%0.44%0.55%0.53%0.87%0.43%-1 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 Capital20.12%21.28%21.22%22.28%22.99%23.52%23.49%24.16%+189 bps
Net Worth / Assets20.12%21.28%21.22%22.28%22.99%23.52%23.49%24.16%+189 bps
Liquidity & Funding
Loans / Shares14.23%14.43%13.39%13.97%13.71%13.79%12.69%13.03%-94 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps