Richmond, VA · Charter 66929
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.20% | -0.34% | -0.03% | 0.11% | -1.77% | -0.21% | 1.13% | +117 bps | |
| Return on Equity | 0.42% | 1.05% | -1.81% | -0.17% | 0.56% | -10.18% | -1.16% | 6.14% | +631 bps | |
| Net Interest Margin | 3.97% | 3.95% | 3.65% | 3.67% | 3.72% | 3.77% | 3.63% | 3.78% | +11 bps | |
| Efficiency Ratio | 93.98% | 91.41% | 102.62% | 96.33% | 93.90% | 129.26% | 86.41% | 77.37% | -1,896 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.53% | -0.19% | 3.01% | 4.80% | 4.25% | 1.57% | -4.11% | -4.70% | -950 bps | |
| Loan Growth (YoY) | -7.46% | -10.11% | -15.78% | -18.30% | -18.08% | -17.90% | -15.83% | -15.87% | +243 bps | |
| Share Growth (YoY) | -5.66% | -3.95% | -0.02% | 2.11% | 3.84% | 3.79% | -2.89% | -3.92% | -603 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.13% | 1.05% | 0.69% | 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 | 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 | 19.64% | 19.49% | 18.73% | 18.86% | 19.00% | 17.35% | 17.91% | 18.48% | -38 bps | |
| Net Worth / Assets | 19.64% | 19.49% | 18.73% | 18.86% | 19.00% | 17.35% | 17.91% | 18.48% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.03% | 43.64% | 38.42% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |