Richmond, VA · Charter 66899
NCUA · 2 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 | 1.25% | 1.44% | 1.41% | 1.25% | 1.36% | +10 bps | |
| Return on Equity | 8.98% | 10.13% | 9.85% | 8.75% | 8.79% | -19 bps | |
| Net Interest Margin | 4.61% | 4.64% | 4.70% | 4.68% | 4.94% | +33 bps | |
| Efficiency Ratio | 76.42% | 73.36% | 74.25% | 76.85% | 76.03% | -39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.01% | 3.24% | 6.61% | 5.46% | -1.16% | -717 bps | |
| Loan Growth (YoY) | 11.14% | 7.86% | 8.22% | 6.00% | 1.91% | -924 bps | |
| Share Growth (YoY) | 5.22% | 2.11% | 5.85% | 4.09% | -3.50% | -872 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 0.66% | 0.59% | 0.47% | 0.55% | -19 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 | 13.95% | 14.25% | 14.30% | 14.31% | 15.43% | +148 bps | |
| Net Worth / Assets | 13.95% | 14.25% | 14.30% | 14.31% | 15.43% | +148 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.21% | 58.69% | 57.94% | 56.53% | 62.53% | +332 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |