Prince George, VA · Charter 7722
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 | 0.68% | 0.63% | 0.89% | 0.87% | 1.02% | 0.97% | 1.09% | 1.14% | +27 bps | |
| Return on Equity | 6.71% | 6.11% | 8.94% | 8.42% | 9.61% | 9.24% | 10.20% | 10.47% | +204 bps | |
| Net Interest Margin | 3.18% | 3.27% | 3.41% | 3.56% | 3.58% | 3.54% | 3.54% | 3.57% | +1 bps | |
| Efficiency Ratio | 80.62% | 82.56% | 76.32% | 79.32% | 75.61% | 76.82% | 72.61% | 71.36% | -796 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.84% | 4.53% | 5.93% | 5.19% | 4.38% | 7.75% | 2.98% | 5.49% | +30 bps | |
| Loan Growth (YoY) | 3.40% | 2.82% | 3.03% | 3.99% | 1.47% | 0.54% | -1.14% | -2.58% | -658 bps | |
| Share Growth (YoY) | 3.40% | 3.11% | 4.23% | 3.27% | 3.34% | 6.61% | 1.90% | 4.88% | +161 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.53% | 0.91% | 1.03% | 1.26% | 0.87% | 0.68% | 0.96% | -8 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 | 10.11% | 10.28% | 9.94% | 10.30% | 10.56% | 10.51% | 10.67% | 10.87% | +57 bps | |
| Net Worth / Assets | 10.11% | 10.28% | 9.94% | 10.30% | 10.56% | 10.51% | 10.67% | 10.87% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.79% | 60.78% | 57.41% | 59.65% | 58.70% | 57.32% | 55.70% | 55.40% | -424 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |