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Loudoun Credit Union

Leesburg, VA · Charter 66954

NCUA · 1 branch

Q2 2026

$59.5MAssets
$17.9MLoans
$55.6MShares
$4.8MNet Worth

Executive Summary

  • Earnings: ROA of -0.02%, down 37 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 1.83% of loans (+132 bps YoY).
  • Capital: net worth / assets of 8.13%, up 10 bps from a year ago.
  • Funding: loans stand at 32.28% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.02%-37 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+9 bps YoY

Efficiency Ratio (YTD, annualized)

97.32%+1,263 bps YoY

Net Worth / Assets

8.13%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.27%-0.29%0.27%0.35%0.36%0.37%0.13%-0.02%-37 bps
Return on Equity-3.20%-3.52%3.37%4.33%4.53%4.42%1.51%-0.23%-456 bps
Net Interest Margin3.53%3.50%3.55%3.63%3.62%3.78%3.80%3.72%+9 bps
Efficiency Ratio91.07%90.47%86.42%84.69%84.43%85.56%94.32%97.32%+1,263 bps
Growth
Asset Growth (YoY)3.53%9.40%5.42%5.11%8.95%2.72%-3.07%0.47%-464 bps
Loan Growth (YoY)0.45%1.91%-2.53%-3.70%-5.15%-9.03%-8.01%-12.64%-894 bps
Share Growth (YoY)1.53%11.03%4.57%4.38%8.36%1.07%-4.04%-0.45%-483 bps
Asset Quality
Delinquent Loans / Loans0.21%0.50%0.50%0.50%0.64%0.47%0.87%1.83%+132 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.58%8.22%7.90%8.03%8.02%8.32%8.44%8.13%+10 bps
Net Worth / Assets8.58%8.22%7.90%8.03%8.02%8.32%8.44%8.13%+10 bps
Liquidity & Funding
Loans / Shares41.45%39.68%36.36%36.78%36.29%35.72%34.85%32.28%-450 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps