Martinsville, VA · Charter 66924
NCUA · 7 branches
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 | -1.35% | -1.35% | -1.21% | -0.50% | -0.55% | -0.55% | -1.31% | -1.05% | -55 bps | |
| Return on Equity | -13.33% | -13.52% | -12.44% | -4.90% | -5.43% | -5.45% | -12.89% | -10.24% | -534 bps | |
| Net Interest Margin | 4.12% | 4.13% | 3.62% | 3.69% | 3.79% | 3.77% | 3.50% | 3.67% | -2 bps | |
| Efficiency Ratio | 96.37% | 95.98% | 106.49% | 102.33% | 102.66% | 101.87% | 113.24% | 108.44% | +611 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.52% | -11.23% | -11.16% | -6.49% | -9.04% | -7.77% | -10.08% | -10.50% | -401 bps | |
| Loan Growth (YoY) | -12.35% | -13.97% | -14.35% | -15.27% | -15.05% | -15.32% | -15.06% | -16.90% | -163 bps | |
| Share Growth (YoY) | -10.33% | -9.72% | -9.67% | -9.93% | -8.39% | -7.63% | -10.61% | -9.77% | +16 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 1.95% | 1.44% | 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 | 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 | 10.12% | 9.96% | 9.72% | 10.27% | 10.17% | 10.04% | 10.15% | 10.25% | -2 bps | |
| Net Worth / Assets | 10.12% | 9.96% | 9.72% | 10.27% | 10.17% | 10.04% | 10.15% | 10.25% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.56% | 94.12% | 90.25% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |