PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Arlington Community

Arlington, VA · Charter 7573

NCUA · 4 branches

Q2 2026

$537.8MAssets
$463.5MLoans
$490.2MShares
$42.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.22%, down 8 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.44% of loans (-22 bps YoY).
  • Capital: net worth / assets of 7.95%, up 9 bps from a year ago.
  • Funding: loans stand at 94.55% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.22%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+25 bps YoY

Efficiency Ratio (YTD, annualized)

88.72%+704 bps YoY

Net Worth / Assets

7.95%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.29%0.66%0.30%0.27%0.25%0.19%0.22%-8 bps
Return on Equity3.37%3.59%8.28%3.84%3.34%3.22%2.46%2.81%-104 bps
Net Interest Margin3.36%3.32%3.25%3.27%3.37%3.37%3.44%3.53%+25 bps
Efficiency Ratio84.90%85.33%79.21%81.68%84.96%86.44%94.43%88.72%+704 bps
Growth
Asset Growth (YoY)1.83%1.19%2.76%5.52%4.67%4.70%3.22%1.55%-397 bps
Loan Growth (YoY)-2.76%-3.35%2.04%6.92%7.98%9.11%4.79%4.11%-282 bps
Share Growth (YoY)6.20%8.72%8.88%10.73%12.07%8.91%5.43%3.38%-735 bps
Asset Quality
Delinquent Loans / Loans0.58%0.64%0.63%0.65%0.56%0.38%0.64%0.44%-22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.00%7.97%7.95%7.85%7.93%7.87%7.84%7.95%+9 bps
Net Worth / Assets8.00%7.97%7.95%7.85%7.93%7.87%7.84%7.95%+9 bps
Liquidity & Funding
Loans / Shares96.47%92.09%92.11%93.89%92.95%92.26%91.55%94.55%+66 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps