| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +3.9% | -1.6 pts |
| Share growth (YoY) | +0.9% | +3.3% | -2.4 pts |
| Loan growth (YoY) | +0.3% | +2.9% | -2.7 pts |
| ROA | 1.31% | 0.69% | +0.6 pts |
| ROE | 10.9% | 5.9% | +4.9 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $201.1M | $174.9M | $118.2M | $24.2M | $659K | 1.31% | 4.41% | 1.22% | 12,991 |
| Q4 2025 | $192.6M | $167.0M | $119.4M | $23.6M | $3.1M | 1.60% | 4.74% | 1.35% | 13,053 |
| Q3 2025 | $192.9M | $168.0M | $119.5M | $22.9M | $2.4M | 1.65% | 4.72% | 1.58% | 13,060 |
| Q2 2025 | $193.6M | $169.7M | $117.4M | $22.0M | $1.5M | 1.57% | 4.64% | 1.76% | 13,094 |
| Q1 2025 | $196.6M | $173.4M | $117.9M | $21.2M | $666K | 1.35% | 4.46% | 1.05% | 13,132 |
| Q4 2024 | $190.2M | $167.8M | $115.1M | $20.5M | $2.7M | 1.44% | 4.25% | 1.42% | 13,178 |
| Q3 2024 | $188.7M | $166.8M | $109.7M | $19.9M | $2.1M | 1.45% | 4.22% | 1.94% | 13,257 |
| Q2 2024 | $189.4M | $168.3M | $108.4M | $19.1M | $1.3M | 1.33% | 4.12% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.69% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 5.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.95% |
| 13,452 |
Loan mix (Q1 2026): real estate $55.3M · commercial $4.3M · consumer $44.1M · securities $45.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 78.7% | 31st |
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 4 counties across 1 state (+0 vs 2024). Biggest market: Campbell, VA, ranked 6th with 5.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Campbell, VA | 2 | $67.9M* | 5.94% | 6th |
| Amherst, VA | 1 | $33.9M* | 5.57% | 6th |
| Bedford, VA | 1 | $33.9M* | 1.76% | 13th |
| 1 more county with Pro → | ||||
Virginia: 118th with 0.04% · Lynchburg metro: 13th, 2.45% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5