| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.7% | -1.7 pts |
| Share growth (YoY) | +2.1% | +4.3% | -2.1 pts |
| Loan growth (YoY) | +3.8% | +4.3% | -0.6 pts |
| ROA | 0.28% | 0.75% | -0.5 pts |
| ROE | 2.7% | 6.9% | -4.2 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $557.1M | $497.7M | $271.9M | $58.3M | $784K | 0.28% | 3.22% | 0.60% | 27,508 |
| Q1 2026 | $570.0M | $510.3M | $271.1M | $57.8M | $286K | 0.20% | 3.10% | 0.24% | 27,680 |
| Q4 2025 | $535.1M | $475.3M | $269.3M | $57.5M | $1.7M | 0.31% | 3.13% | 0.56% | 27,618 |
| Q3 2025 | $538.5M | $481.4M | $265.2M | $57.2M | $1.3M | 0.33% | 3.07% | 0.35% | 27,680 |
| Q2 2025 | $541.0M | $485.6M | $265.6M | $56.7M | $856K | 0.32% | 3.00% | 0.26% | 27,812 |
| Q1 2025 | $553.5M | $499.7M | $261.3M | $56.3M | $428K | 0.31% | 2.85% | 0.31% | 27,812 |
| Q4 2024 | $509.6M | $459.7M | $261.1M | $55.9M | $1.0M | 0.20% | 3.08% | 0.36% | 27,850 |
| Q3 2024 | $520.5M | $468.6M | $259.6M | $56.6M | $1.7M | 0.42% | 3.00% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.62% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 5.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 28,445 |
| Q2 2024 | $523.2M | $474.4M | $259.3M | $56.0M | $1.1M | 0.42% | 2.96% | 0.39% | 28,445 |
Loan mix (Q2 2026): real estate $173.1M · commercial $18.4M · consumer $78.8M · securities $209.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.2% | 78.3% | 95th |
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.
8 branches in 3 counties across 1 state (-2 vs 2025). Biggest market: Henrico, VA, ranked 15th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Henrico, VA | 4 | $194.2M* | 1.71% | 15th |
| Chesterfield, VA | 3 | $145.7M* | 1.51% | 12th |
| Hanover, VA | 1 | $48.6M* | 1.57% | 13th |
| 2 more counties with Pro → | ||||
Virginia: 66th with 0.12% · Richmond metro: 13th, 0.65% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 10 · 2025 10 · 2026 8