Covington, VA · Charter 66967
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.08% | 2.08% | 2.03% | 2.30% | 2.42% | +34 bps | |
| Return on Equity | 13.93% | 13.50% | 13.24% | 15.01% | 15.20% | +127 bps | |
| Net Interest Margin | 4.05% | 4.10% | 4.02% | 3.97% | 4.12% | +7 bps | |
| Efficiency Ratio | 53.59% | 54.40% | 53.28% | 53.33% | 51.92% | -166 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.84% | 6.98% | 8.60% | 7.09% | 8.11% | +126 bps | |
| Loan Growth (YoY) | 4.16% | 6.50% | 6.99% | 3.92% | -0.02% | -418 bps | |
| Share Growth (YoY) | 4.84% | 5.09% | 6.86% | 5.52% | 6.75% | +191 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.76% | 1.94% | 2.47% | 1.60% | 1.41% | -35 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 | 14.93% | 15.38% | 15.31% | 15.34% | 15.90% | +97 bps | |
| Net Worth / Assets | 14.93% | 15.38% | 15.31% | 15.34% | 15.90% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.39% | 52.00% | 50.56% | 48.62% | 48.13% | -326 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |