Newport News, VA · Charter 66970
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.59% | 1.62% | 1.49% | 1.46% | 1.21% | -38 bps | |
| Return on Equity | 17.71% | 17.47% | 15.58% | 14.79% | 11.78% | -593 bps | |
| Net Interest Margin | 4.31% | 4.33% | 4.31% | 4.30% | 4.43% | +12 bps | |
| Efficiency Ratio | 62.46% | 61.34% | 64.36% | 64.19% | 62.22% | -24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.81% | 5.23% | 5.13% | 1.58% | -0.82% | -562 bps | |
| Loan Growth (YoY) | 0.83% | -0.31% | -3.97% | -6.71% | -10.06% | -1,088 bps | |
| Share Growth (YoY) | 2.15% | 3.20% | 2.72% | -0.23% | -2.38% | -453 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.88% | 1.61% | 1.72% | 1.77% | 1.64% | -25 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 | 9.00% | 9.29% | 9.59% | 9.89% | 10.27% | +127 bps | |
| Net Worth / Assets | 9.00% | 9.29% | 9.59% | 9.89% | 10.27% | +127 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.40% | 50.32% | 49.96% | 48.38% | 48.28% | -412 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |