| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.8% | +2.9 pts |
| Share growth (YoY) | +7.2% | +4.3% | +2.9 pts |
| Loan growth (YoY) | +2.8% | +4.3% | -1.6 pts |
| ROA | 0.93% | 0.62% | +0.3 pts |
| ROE | 10.3% | 5.9% | +4.3 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $560.1M | $505.4M | $322.0M | $50.9M | $1.3M | 0.93% | 3.65% | 0.67% | 35,108 |
| Q4 2025 | $538.0M | $484.4M | $319.0M | $49.6M | $5.5M | 1.02% | 3.69% | 0.72% | 34,995 |
| Q3 2025 | $525.2M | $472.8M | $309.7M | $48.5M | $4.4M | 1.10% | 3.75% | 0.98% | 35,265 |
| Q2 2025 | $519.5M | $470.1M | $312.6M | $47.3M | $3.1M | 1.21% | 3.75% | 1.00% | 35,268 |
| Q1 2025 | $520.1M | $471.7M | $313.4M | $46.2M | $2.0M | 1.54% | 3.68% | 1.34% | 35,257 |
| Q4 2024 | $501.8M | $456.7M | $320.7M | $44.2M | $4.7M | 0.94% | 3.47% | 1.33% | 35,130 |
| Q3 2024 | $495.1M | $450.8M | $323.4M | $43.1M | $3.6M | 0.96% | 3.48% | 1.25% | 35,162 |
| Q2 2024 | $476.0M | $434.6M | $323.4M | $42.2M | $2.6M | 1.10% | 3.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.62% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 5.9% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.55% |
| 35,025 |
Loan mix (Q1 2026): real estate $76.9M · commercial $45.3M · consumer $191.6M · securities $171.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 78.3% | 28th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Chesterfield, VA, ranked 7th with 4.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chesterfield, VA | 5 | $470.1M* | 4.88% | 7th |
Virginia: 70th with 0.12% · Richmond metro: 14th, 0.63% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 5 · 2024 5 · 2025 5