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Dominion Energy Credit Union

North Chesterfi, VA · Charter 66973

NCUA · 4 branches

Q2 2026

$336.4MAssets
$165.1MLoans
$278.4MShares
$48.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.73%, up 36 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.43% of loans (-32 bps YoY).
  • Capital: net worth / assets of 14.35%, up 79 bps from a year ago.
  • Funding: loans stand at 59.29% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.73%+36 bps YoY

Net Interest Margin (quarter, annualized)

2.95%+52 bps YoY

Efficiency Ratio (quarter, annualized)

74.70%-617 bps YoY

Net Worth / Assets

14.35%+79 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.37%0.45%0.44%0.71%0.73%+36 bps
Return on Equity2.69%3.25%3.12%5.28%5.09%+239 bps
Net Interest Margin2.43%2.50%2.59%2.72%2.95%+52 bps
Efficiency Ratio80.87%80.28%81.84%74.52%74.70%-617 bps
Growth
Asset Growth (YoY)-2.26%-2.12%-2.32%-0.72%-1.63%+63 bps
Loan Growth (YoY)-5.30%-4.96%-3.44%-4.80%-5.03%+27 bps
Share Growth (YoY)-1.84%-1.18%-1.87%0.46%-0.32%+152 bps
Asset Quality
Delinquent Loans / Loans0.75%0.81%0.72%0.44%0.43%-32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.56%13.79%13.98%13.47%14.35%+79 bps
Net Worth / Assets13.56%13.79%13.98%13.47%14.35%+79 bps
Liquidity & Funding
Loans / Shares62.23%62.52%62.89%57.21%59.29%-294 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps