Bristol Va School System Federal Credit Union
Total assets
$231K
▼ -1.2% YoY
Shares & deposits
$186K
▼ -1.3% YoY
Loans
$44K
▼ -6.6% YoY
Members
135
▲ +3.1% YoY
ROA (annualized)
-0.62%
peers 0.60%
ROE (annualized)
-3.22%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +1.3% | -2.5 pts |
| Share growth (YoY) | -1.3% | +0.7% | -2.0 pts |
| Loan growth (YoY) | -6.6% | -2.4% | -4.2 pts |
| ROA | -0.62% | 0.60% | -1.2 pts |
| ROE | -3.2% | 4.1% | -7.3 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
Profile
- Established
- 1957
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 1
- Address
- 220 Lee St, Bristol, VA, 24201
- NCUA charter #
- 11567
- RSSD ID
- 658782
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $231K | $186K | $44K | $44K | $-358 | -0.62% | 3.93% | 9.41% | 135 |
| Q4 2025 | $213K | $168K | $52K | $45K | $-656 | -0.31% | 4.52% | 8.18% | 133 |
| Q3 2025 | $211K | $166K | $44K | $45K | $-829 | -0.52% | 4.71% | 10.79% | 133 |
| Q2 2025 | $229K | $185K | $47K | $43K | $-2K | -1.93% | 3.58% | 10.87% | 130 |
| Q1 2025 | $234K | $189K | $47K | $45K | $-1K | -1.97% | 4.13% | 6.01% | 131 |
| Q4 2024 | $247K | $201K | $56K | $46K | $-2K | -0.84% | 3.25% | 5.03% | 129 |
| Q3 2024 | $256K | $211K | $51K | $46K | $-408 | -0.21% | 3.00% | 5.56% | 124 |
| Q2 2024 | $255K | $210K | $57K | $45K | $-2K | -1.42% | 2.40% | 4.96% | 123 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $44K · securities $127K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.62% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | -3.2% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.3% | 81.5% | — | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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