Portsmouth, VA · Charter 66956
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 | 0.70% | 0.62% | 0.34% | 2.53% | 1.86% | 1.44% | 0.54% | 0.55% | -198 bps | |
| Return on Equity | 4.80% | 4.06% | 2.24% | 15.51% | 11.25% | 8.72% | 3.32% | 3.26% | -1,225 bps | |
| Net Interest Margin | 5.68% | 5.81% | 5.14% | 5.30% | 5.25% | 5.12% | 4.62% | 4.74% | -56 bps | |
| Efficiency Ratio | 95.75% | 95.58% | 94.11% | 57.06% | 68.17% | 74.78% | 89.67% | 89.71% | +3,265 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.51% | -4.59% | -1.79% | -0.47% | -1.71% | 1.61% | 0.60% | -0.48% | 0 bps | |
| Loan Growth (YoY) | -16.62% | -15.91% | -15.69% | -15.15% | -15.07% | -15.29% | -16.36% | -15.32% | -17 bps | |
| Share Growth (YoY) | -7.71% | -6.73% | -3.79% | -1.63% | -3.10% | -0.79% | -0.86% | -1.60% | +4 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.64% | 0.70% | 0.42% | 0.45% | 0.27% | 0.35% | 0.32% | -10 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 | 14.68% | 15.32% | 14.97% | 16.28% | 16.54% | 16.52% | 16.35% | 16.80% | +53 bps | |
| Net Worth / Assets | 14.68% | 15.32% | 14.97% | 16.28% | 16.54% | 16.52% | 16.35% | 16.80% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.48% | 62.22% | 58.69% | 56.81% | 55.64% | 53.12% | 49.51% | 48.88% | -792 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |