Roanoke, VA · Charter 68629
NCUA · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.21% | 0.79% | 0.99% | 1.22% | 1.30% | 1.40% | 1.48% | +49 bps | |
| Return on Equity | 9.27% | 9.44% | 6.36% | 7.73% | 9.35% | 9.91% | 10.64% | 11.51% | +378 bps | |
| Net Interest Margin | 4.00% | 3.97% | 3.83% | 3.96% | 3.96% | 3.90% | 3.96% | 3.89% | -7 bps | |
| Efficiency Ratio | 75.06% | 74.44% | 81.06% | 78.76% | 75.91% | 73.87% | 69.38% | 68.69% | -1,007 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.92% | 10.62% | 9.05% | 6.32% | 7.18% | 8.32% | 6.69% | 12.94% | +661 bps | |
| Loan Growth (YoY) | 9.24% | 7.43% | 6.23% | 6.14% | 6.37% | 9.13% | 11.57% | 12.09% | +595 bps | |
| Share Growth (YoY) | 10.00% | 10.11% | 8.25% | 5.31% | 5.62% | 7.32% | 5.80% | 12.50% | +718 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.07% | 0.01% | 0.06% | 0.05% | 0.11% | 0.03% | 0.11% | +5 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 | 12.66% | 12.77% | 12.50% | 12.86% | 13.02% | 13.07% | 13.13% | 12.87% | +1 bps | |
| Net Worth / Assets | 12.66% | 12.77% | 12.50% | 12.86% | 13.02% | 13.07% | 13.13% | 12.87% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.48% | 91.06% | 88.39% | 91.05% | 92.12% | 92.59% | 93.21% | 90.72% | -33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |