| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +1.3% | -6.0 pts |
| Share growth (YoY) | -3.9% | +0.9% | -4.9 pts |
| Loan growth (YoY) | -15.9% | -2.6% | -13.3 pts |
| ROA | 1.13% | 0.65% | +0.5 pts |
| ROE | 6.1% | 4.4% | +1.8 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $64.6M | $53.7M | $17.2M | $11.9M | $366K | 1.13% | 3.78% | 0.69% | 3,908 |
| Q1 2026 | $65.2M | $54.5M | $18.1M | $11.7M | $-34K | -0.21% | 3.63% | 0.71% | 4,008 |
| Q4 2025 | $66.7M | $55.8M | $19.3M | $11.6M | $-1.2M | -1.77% | 3.77% | 0.48% | 4,201 |
| Q3 2025 | $67.7M | $55.3M | $20.1M | $12.9M | $54K | 0.11% | 3.72% | 0.38% | 4,298 |
| Q2 2025 | $67.8M | $55.9M | $20.4M | $12.8M | $-11K | -0.03% | 3.67% | 1.08% | 4,497 |
| Q1 2025 | $68.0M | $56.1M | $21.6M | $12.7M | $-58K | -0.34% | 3.65% | 0.69% | 4,795 |
| Q4 2024 | $65.7M | $53.8M | $23.5M | $12.8M | $135K | 0.20% | 3.95% | 1.05% | 4,914 |
| Q3 2024 | $64.9M | $53.2M | $24.5M | $12.7M | $40K | 0.08% | 3.97% | 1.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.65% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.4% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,794 |
| Q2 2024 | $64.7M | $54.7M | $25.0M | $12.6M | $-114K | -0.35% | 3.91% | 2.40% | 4,914 |
Loan mix (Q2 2026): real estate $4.1M · commercial $0 · consumer $12.7M · securities $30.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 80.6% | 42nd |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Richmond (City), VA, ranked 17th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Richmond (City), VA | 1 | $53.7M* | 0.15% | 17th |
Virginia: 167th with 0.01% · Richmond metro: 39th, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1