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Hampton Roads Educ Credit Union Inc.

Hampton, VA · Charter 66913

NCUA · 1 branch

Q2 2026

$46.9MAssets
$16.8MLoans
$42.0MShares
$3.9MNet 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 0.39%, down 13 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 1.00% of loans (+48 bps YoY).
  • Capital: net worth / assets of 8.42%, up 40 bps from a year ago.
  • Funding: loans stand at 39.92% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.39%-13 bps YoY

Net Interest Margin (YTD, annualized)

4.16%+24 bps YoY

Efficiency Ratio (YTD, annualized)

84.63%+39 bps YoY

Net Worth / Assets

8.42%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.92%0.92%0.44%0.39%-13 bps
Return on Equity6.52%10.94%10.99%5.25%4.62%-189 bps
Net Interest Margin3.93%3.98%3.95%4.12%4.16%+24 bps
Efficiency Ratio84.23%74.72%76.15%87.97%84.63%+39 bps
Growth
Asset Growth (YoY)3.43%4.83%5.46%3.71%5.56%+214 bps
Loan Growth (YoY)2.62%-0.75%-1.55%-1.16%-4.12%-674 bps
Share Growth (YoY)2.62%3.33%3.49%2.20%3.93%+131 bps
Asset Quality
Delinquent Loans / Loans0.52%0.69%1.17%1.10%1.00%+48 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 Capital8.01%8.37%8.42%8.40%8.42%+40 bps
Net Worth / Assets8.01%8.37%8.42%8.40%8.42%+40 bps
Liquidity & Funding
Loans / Shares43.27%44.43%43.43%41.09%39.92%-335 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps