West Point, VA · Charter 68686
NCUA · 3 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 | 0.27% | 0.42% | 0.31% | 0.40% | 0.54% | 0.61% | 0.61% | 0.86% | +45 bps | |
| Return on Equity | 2.96% | 4.55% | 3.41% | 4.35% | 5.70% | 6.44% | 6.52% | 8.92% | +457 bps | |
| Net Interest Margin | 2.97% | 3.05% | 3.18% | 3.39% | 3.48% | 3.51% | 3.57% | 3.74% | +35 bps | |
| Efficiency Ratio | 88.97% | 85.09% | 86.13% | 83.89% | 82.11% | 80.79% | 84.46% | 79.64% | -425 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.61% | -0.30% | 1.46% | 1.05% | 2.46% | 3.40% | 3.15% | 4.37% | +332 bps | |
| Loan Growth (YoY) | 0.65% | -1.50% | -1.69% | 4.02% | 4.34% | 3.88% | 3.34% | -2.27% | -628 bps | |
| Share Growth (YoY) | -4.20% | -2.59% | -0.73% | -1.27% | 0.74% | 1.79% | 1.92% | 3.37% | +464 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.69% | 1.44% | 1.16% | 1.00% | 1.23% | 1.30% | 1.52% | 1.74% | +74 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 | 9.19% | 9.25% | 9.04% | 9.30% | 9.46% | 9.43% | 9.32% | 9.62% | +32 bps | |
| Net Worth / Assets | 9.19% | 9.25% | 9.04% | 9.30% | 9.46% | 9.43% | 9.32% | 9.62% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.87% | 58.61% | 56.77% | 60.77% | 60.97% | 59.81% | 57.56% | 57.45% | -332 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |