Richmond, VA · Charter 66929
NCUA · 1 branch
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 | -0.03% | 0.11% | -1.77% | -0.21% | 1.13% | +117 bps | |
| Return on Equity | -0.17% | 0.56% | -10.18% | -1.16% | 6.14% | +631 bps | |
| Net Interest Margin | 3.67% | 3.72% | 3.77% | 3.63% | 3.78% | +11 bps | |
| Efficiency Ratio | 96.33% | 93.90% | 129.26% | 86.41% | 77.37% | -1,896 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.80% | 4.25% | 1.57% | -4.11% | -4.70% | -950 bps | |
| Loan Growth (YoY) | -18.30% | -18.08% | -17.90% | -15.83% | -15.87% | +243 bps | |
| Share Growth (YoY) | 2.11% | 3.84% | 3.79% | -2.89% | -3.92% | -603 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.08% | 0.38% | 0.48% | 0.71% | 0.69% | -39 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 | 18.86% | 19.00% | 17.35% | 17.91% | 18.48% | -38 bps | |
| Net Worth / Assets | 18.86% | 19.00% | 17.35% | 17.91% | 18.48% | -38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.53% | 36.32% | 34.52% | 33.30% | 31.98% | -454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |