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Letter portraitLegal landscapeQuarterYTD

Newport News Mun. Emp Credit Union

Newport News, VA · Charter 66970

NCUA · 1 branch

Q2 2026

$54.4MAssets
$23.8MLoans
$49.2MShares
$5.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.21%, down 38 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 1.64% of loans (-25 bps YoY).
  • Capital: net worth / assets of 10.27%, up 127 bps from a year ago.
  • Funding: loans stand at 48.28% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.21%-38 bps YoY

Net Interest Margin (YTD, annualized)

4.43%+12 bps YoY

Efficiency Ratio (YTD, annualized)

62.22%-24 bps YoY

Net Worth / Assets

10.27%+127 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.51%1.51%1.59%1.62%1.49%1.46%1.21%-38 bps
Return on Equity18.72%17.46%17.48%17.71%17.47%15.58%14.79%11.78%-593 bps
Net Interest Margin4.02%4.14%4.22%4.31%4.33%4.31%4.30%4.43%+12 bps
Efficiency Ratio64.05%65.16%64.52%62.46%61.34%64.36%64.19%62.22%-24 bps
Growth
Asset Growth (YoY)0.63%0.35%2.44%4.81%5.23%5.13%1.58%-0.82%-562 bps
Loan Growth (YoY)5.84%2.53%-1.87%0.83%-0.31%-3.97%-6.71%-10.06%-1,088 bps
Share Growth (YoY)-3.10%-2.26%-0.26%2.15%3.20%2.72%-0.23%-2.38%-453 bps
Asset Quality
Delinquent Loans / Loans1.91%2.35%1.19%1.88%1.61%1.72%1.77%1.64%-25 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 Capital8.31%8.63%8.66%9.00%9.29%9.59%9.89%10.27%+127 bps
Net Worth / Assets8.31%8.63%8.66%9.00%9.29%9.59%9.89%10.27%+127 bps
Liquidity & Funding
Loans / Shares52.09%53.44%51.74%52.40%50.32%49.96%48.38%48.28%-412 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps