Martinsville, VA · Charter 66924
NCUA · 7 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.50% | -0.55% | -0.55% | -1.31% | -1.05% | -55 bps | |
| Return on Equity | -4.90% | -5.43% | -5.45% | -12.89% | -10.24% | -534 bps | |
| Net Interest Margin | 3.69% | 3.79% | 3.77% | 3.50% | 3.67% | -2 bps | |
| Efficiency Ratio | 102.33% | 102.66% | 101.87% | 113.24% | 108.44% | +611 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.49% | -9.04% | -7.77% | -10.08% | -10.50% | -401 bps | |
| Loan Growth (YoY) | -15.27% | -15.05% | -15.32% | -15.06% | -16.90% | -163 bps | |
| Share Growth (YoY) | -9.93% | -8.39% | -7.63% | -10.61% | -9.77% | +16 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.92% | 1.00% | 1.26% | 1.08% | 1.76% | +84 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 | 10.27% | 10.17% | 10.04% | 10.15% | 10.25% | -2 bps | |
| Net Worth / Assets | 10.27% | 10.17% | 10.04% | 10.15% | 10.25% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.04% | 88.61% | 86.29% | 85.76% | 82.00% | -704 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |