Richmond, VA · Charter 6878
NCUA · 2 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 | 1.49% | 1.50% | 0.92% | 0.99% | 1.62% | 0.77% | 1.61% | 2.27% | +129 bps | |
| Return on Equity | 13.34% | 12.80% | 7.82% | 8.12% | 13.00% | 6.41% | 13.85% | 18.66% | +1,054 bps | |
| Net Interest Margin | 4.10% | 4.18% | 4.12% | 4.23% | 4.10% | 4.12% | 3.62% | 3.69% | -54 bps | |
| Efficiency Ratio | 80.42% | 80.49% | 84.69% | 89.79% | 86.62% | 93.24% | 85.90% | 78.58% | -1,121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.09% | -5.87% | -6.20% | -6.22% | -0.05% | 1.66% | 7.23% | 10.25% | +1,648 bps | |
| Loan Growth (YoY) | -4.89% | -3.15% | -4.02% | -1.81% | 0.20% | 3.01% | 3.85% | 3.98% | +580 bps | |
| Share Growth (YoY) | -4.22% | -1.04% | -2.99% | -2.79% | -0.20% | 2.18% | 9.72% | 13.14% | +1,592 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.37% | 0.40% | 2.51% | 1.05% | 1.41% | 1.43% | 1.42% | -109 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 | 11.17% | 11.74% | 11.72% | 12.14% | 12.50% | 12.07% | 11.60% | 12.18% | +4 bps | |
| Net Worth / Assets | 11.17% | 11.74% | 11.72% | 12.14% | 12.50% | 12.07% | 11.60% | 12.18% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.80% | 80.68% | 78.60% | 80.41% | 80.12% | 81.34% | 74.39% | 73.90% | -651 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |