Frederiksted, VI · Charter 8069
NCUA · 1 branch
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 | 1.92% | 2.15% | 5.95% | 4.53% | 3.90% | 3.52% | 1.98% | 2.06% | -247 bps | |
| Return on Equity | 14.61% | 15.52% | 40.98% | 30.10% | 24.60% | 21.20% | 11.82% | 11.79% | -1,831 bps | |
| Net Interest Margin | 4.84% | 5.08% | 5.37% | 5.41% | 5.58% | 5.75% | 5.36% | 5.33% | -8 bps | |
| Efficiency Ratio | 62.74% | 60.81% | 36.54% | 40.92% | 46.48% | 49.87% | 67.00% | 65.91% | +2,500 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.14% | 0.88% | 6.45% | 15.45% | 6.89% | 5.51% | 1.32% | -1.73% | -1,718 bps | |
| Loan Growth (YoY) | 3.55% | 5.42% | 0.89% | 0.88% | -4.00% | -9.91% | -11.47% | -11.18% | -1,206 bps | |
| Share Growth (YoY) | -1.90% | -1.55% | 3.51% | 6.00% | 3.15% | 2.27% | -2.62% | -4.79% | -1,079 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.92% | 1.48% | 0.90% | 1.79% | 2.55% | 2.31% | 2.37% | 1.26% | -53 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 | 13.15% | 13.84% | 14.52% | 15.05% | 15.86% | 16.58% | 16.77% | 17.49% | +244 bps | |
| Net Worth / Assets | 13.15% | 13.84% | 14.52% | 15.05% | 15.86% | 16.58% | 16.77% | 17.49% | +244 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.81% | 39.32% | 35.82% | 35.48% | 35.19% | 34.64% | 32.56% | 33.10% | -238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |