PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jackson River Community

Covington, VA · Charter 66967

NCUA · 2 branches

Q2 2026

$132.6MAssets
$53.6MLoans
$111.4MShares
$21.1MNet Worth

Executive Summary

  • Earnings: ROA of 2.42%, up 34 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 1.41% of loans (-35 bps YoY).
  • Capital: net worth / assets of 15.90%, up 97 bps from a year ago.
  • Funding: loans stand at 48.13% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

2.42%+34 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+7 bps YoY

Efficiency Ratio (YTD, annualized)

51.92%-166 bps YoY

Net Worth / Assets

15.90%+97 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.76%1.78%1.73%2.08%2.08%2.03%2.30%2.42%+34 bps
Return on Equity12.18%12.27%12.13%13.93%13.50%13.24%15.01%15.20%+127 bps
Net Interest Margin3.78%3.81%3.76%4.05%4.10%4.02%3.97%4.12%+7 bps
Efficiency Ratio54.34%53.77%55.21%53.59%54.40%53.28%53.33%51.92%-166 bps
Growth
Asset Growth (YoY)6.16%7.98%7.98%6.84%6.98%8.60%7.09%8.11%+126 bps
Loan Growth (YoY)-0.03%-0.03%2.78%4.16%6.50%6.99%3.92%-0.02%-418 bps
Share Growth (YoY)3.69%6.35%6.21%4.84%5.09%6.86%5.52%6.75%+191 bps
Asset Quality
Delinquent Loans / Loans2.06%2.61%1.74%1.76%1.94%2.47%1.60%1.41%-35 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 Capital14.41%14.54%14.26%14.93%15.38%15.31%15.34%15.90%+97 bps
Net Worth / Assets14.41%14.54%14.26%14.93%15.38%15.31%15.34%15.90%+97 bps
Liquidity & Funding
Loans / Shares51.30%50.49%49.37%51.39%52.00%50.56%48.62%48.13%-326 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps