North Chesterfi, VA · Charter 66973
NCUA · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.18% | 0.40% | 0.37% | 0.45% | 0.44% | 0.71% | 0.73% | +36 bps | |
| Return on Equity | 1.53% | 1.34% | 3.09% | 2.69% | 3.25% | 3.12% | 5.28% | 5.09% | +239 bps | |
| Net Interest Margin | 1.89% | 1.97% | 2.27% | 2.43% | 2.50% | 2.59% | 2.72% | 2.95% | +52 bps | |
| Efficiency Ratio | 88.98% | 89.03% | 80.62% | 80.87% | 80.28% | 81.84% | 74.52% | 74.70% | -617 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.64% | -4.46% | -2.21% | -2.26% | -2.12% | -2.32% | -0.72% | -1.63% | +63 bps | |
| Loan Growth (YoY) | -8.22% | -9.84% | -7.78% | -5.30% | -4.96% | -3.44% | -4.80% | -5.03% | +27 bps | |
| Share Growth (YoY) | -8.10% | -5.75% | -4.20% | -1.84% | -1.18% | -1.87% | 0.46% | -0.32% | +152 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.44% | 0.48% | 0.75% | 0.81% | 0.72% | 0.44% | 0.43% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.27% | 13.36% | 12.94% | 13.56% | 13.79% | 13.98% | 13.47% | 14.35% | +79 bps | |
| Net Worth / Assets | 13.27% | 13.36% | 12.94% | 13.56% | 13.79% | 13.98% | 13.47% | 14.35% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.01% | 63.91% | 60.38% | 62.23% | 62.52% | 62.89% | 57.21% | 59.29% | -294 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |