Christiansted, VI · Charter 7989
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.50% | 1.63% | 1.25% | 1.63% | 1.64% | 1.63% | 2.00% | 1.96% | +33 bps | |
| Return on Equity | 7.93% | 8.41% | 6.60% | 8.37% | 8.36% | 8.18% | 9.83% | 9.48% | +112 bps | |
| Net Interest Margin | 3.53% | 3.65% | 3.35% | 3.65% | 3.70% | 3.74% | 4.22% | 4.10% | +45 bps | |
| Efficiency Ratio | 59.92% | 56.43% | 57.33% | 52.73% | 52.90% | 52.84% | 52.37% | 53.32% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.16% | 2.83% | 5.76% | 4.71% | 5.57% | 5.80% | 2.39% | 3.23% | -148 bps | |
| Loan Growth (YoY) | 17.26% | 18.46% | 15.69% | 11.33% | 14.40% | 13.47% | 10.07% | 7.78% | -355 bps | |
| Share Growth (YoY) | 1.89% | 1.25% | 4.99% | 3.69% | 4.66% | 5.14% | 0.67% | 1.75% | -194 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.02% | 0.16% | 0.21% | 0.49% | 0.04% | 0.02% | 0.23% | +2 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 | 18.96% | 19.41% | 18.98% | 19.49% | 19.63% | 19.94% | 20.31% | 20.63% | +115 bps | |
| Net Worth / Assets | 18.96% | 19.41% | 18.98% | 19.49% | 19.63% | 19.94% | 20.31% | 20.63% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.36% | 41.98% | 41.77% | 42.75% | 44.11% | 45.31% | 45.67% | 45.28% | +254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |