Hampton, VA · Charter 66913
NCUA · 1 branch
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 | 0.47% | 0.40% | 0.40% | 0.52% | 0.92% | 0.92% | 0.44% | 0.39% | -13 bps | |
| Return on Equity | 5.82% | 4.98% | 5.15% | 6.52% | 10.94% | 10.99% | 5.25% | 4.62% | -189 bps | |
| Net Interest Margin | 3.70% | 3.69% | 3.80% | 3.93% | 3.98% | 3.95% | 4.12% | 4.16% | +24 bps | |
| Efficiency Ratio | 83.13% | 84.12% | 87.35% | 84.23% | 74.72% | 76.15% | 87.97% | 84.63% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.27% | 4.85% | 4.33% | 3.43% | 4.83% | 5.46% | 3.71% | 5.56% | +214 bps | |
| Loan Growth (YoY) | 4.13% | 3.97% | 2.18% | 2.62% | -0.75% | -1.55% | -1.16% | -4.12% | -674 bps | |
| Share Growth (YoY) | -1.18% | 4.09% | 3.60% | 2.62% | 3.33% | 3.49% | 2.20% | 3.93% | +131 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.29% | 0.14% | 0.52% | 0.69% | 1.17% | 1.10% | 1.00% | +48 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 | 8.03% | 7.93% | 7.78% | 8.01% | 8.37% | 8.42% | 8.40% | 8.42% | +40 bps | |
| Net Worth / Assets | 8.03% | 7.93% | 7.78% | 8.01% | 8.37% | 8.42% | 8.40% | 8.42% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.25% | 45.65% | 42.49% | 43.27% | 44.43% | 43.43% | 41.09% | 39.92% | -335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |