PackageTrendsPeer
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Christiansted

Christiansted, VI · Charter 7989

NCUA · 1 branch

Q2 2026

$34.0MAssets
$12.2MLoans
$26.9MShares
$7.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.96%, up 33 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 0.23% of loans (+2 bps YoY).
  • Capital: net worth / assets of 20.63%, up 115 bps from a year ago.
  • Funding: loans stand at 45.28% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.96%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+45 bps YoY

Efficiency Ratio (YTD, annualized)

53.32%+58 bps YoY

Net Worth / Assets

20.63%+115 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.64%1.63%2.00%1.96%+33 bps
Return on Equity8.37%8.36%8.18%9.83%9.48%+112 bps
Net Interest Margin3.65%3.70%3.74%4.22%4.10%+45 bps
Efficiency Ratio52.73%52.90%52.84%52.37%53.32%+58 bps
Growth
Asset Growth (YoY)4.71%5.57%5.80%2.39%3.23%-148 bps
Loan Growth (YoY)11.33%14.40%13.47%10.07%7.78%-355 bps
Share Growth (YoY)3.69%4.66%5.14%0.67%1.75%-194 bps
Asset Quality
Delinquent Loans / Loans0.21%0.49%0.04%0.02%0.23%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.49%19.63%19.94%20.31%20.63%+115 bps
Net Worth / Assets19.49%19.63%19.94%20.31%20.63%+115 bps
Liquidity & Funding
Loans / Shares42.75%44.11%45.31%45.67%45.28%+254 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps