| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +1.3% | -4.9 pts |
| Share growth (YoY) | -1.5% | +0.9% | -2.5 pts |
| Loan growth (YoY) | +34.9% | -2.6% | +37.5 pts |
| ROA | -1.70% | 0.65% | -2.3 pts |
| ROE | -31.8% | 4.4% | -36.2 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $98.1M | $91.4M | $74.6M | $5.3M | $-835K | -1.70% | 5.44% | 1.85% | 15,858 |
| Q1 2026 | $101.5M | $94.6M | $75.4M | $5.4M | $-1.2M | -4.86% | 5.79% | 1.61% | 15,831 |
| Q4 2025 | $103.0M | $96.2M | $73.9M | $6.1M | $-944K | -0.92% | 3.75% | 1.07% | 15,659 |
| Q3 2025 | $104.8M | $99.4M | $75.2M | $6.2M | $-928K | -1.18% | 3.36% | 0.72% | 15,558 |
| Q2 2025 | $101.7M | $92.8M | $55.3M | $8.6M | $1.5M | 3.00% | 7.80% | 0.74% | 11,019 |
| Q1 2025 | $88.1M | $79.5M | $48.0M | $8.2M | $1.1M | 5.07% | 13.92% | 1.06% | 8,892 |
| Q4 2024 | $84.8M | $77.9M | $46.6M | $7.1M | $-73K | -0.09% | 3.16% | 0.91% | 8,891 |
| Q3 2024 | $86.2M | $79.0M | $45.5M | $7.2M | $-49K | -0.08% | 3.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.70% | 0.65% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -31.8% | 4.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 5.44% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 0.72% |
| 8,947 |
| Q2 2024 | $87.3M | $81.0M | $44.8M | $7.3M | $-440 | -0.00% | 2.99% | 0.75% | 9,022 |
Loan mix (Q2 2026): real estate $11.0M · commercial $470K · consumer $38.8M · securities $17.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.9% | 80.6% | 51st |
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.
3 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Hanover, VA, ranked 15th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hanover, VA | 1 | $30.5M* | 0.93% | 15th |
| Chesterfield, VA | 1 | $30.5M* | 0.31% | 25th |
| Henrico, VA | 1 | $30.5M* | 0.26% | 25th |
Virginia: 140th with 0.02% · Richmond metro: 31st, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3