First Nrv Federal Credit Union
Total assets
$39.3M
▼ -4.3% YoY
Shares & deposits
$35.7M
▼ -5.4% YoY
Loans
$23.2M
▼ -3.1% YoY
Members
2,724
▼ -4.8% YoY
ROA (annualized)
0.34%
peers 0.60%
ROE (annualized)
3.87%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +1.3% | -5.6 pts |
| Share growth (YoY) | -5.4% | +0.7% | -6.1 pts |
| Loan growth (YoY) | -3.1% | -2.4% | -0.7 pts |
| ROA | 0.34% | 0.60% | -0.3 pts |
| ROE | 3.9% | 4.1% | -0.2 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
Profile
- Established
- 1937
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- Po Box 2963, Radford, VA, 24143
- NCUA charter #
- 2263
- RSSD ID
- 49773
- 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 | $39.3M | $35.7M | $23.2M | $3.5M | $34K | 0.34% | 3.68% | 1.59% | 2,724 |
| Q4 2025 | $38.8M | $35.2M | $22.6M | $3.5M | $254K | 0.66% | 4.26% | 3.48% | 2,739 |
| Q3 2025 | $38.6M | $35.2M | $23.2M | $3.3M | $87K | 0.30% | 4.10% | 4.56% | 2,780 |
| Q2 2025 | $38.5M | $35.1M | $22.9M | $3.2M | $-7K | -0.04% | 3.97% | 2.36% | 2,807 |
| Q1 2025 | $41.1M | $37.8M | $23.9M | $3.2M | $-23K | -0.23% | 3.63% | 3.01% | 2,860 |
| Q4 2024 | $39.6M | $36.3M | $24.3M | $3.2M | $212K | 0.53% | 4.43% | 1.16% | 2,856 |
| Q3 2024 | $39.7M | $36.3M | $25.2M | $3.2M | $184K | 0.62% | 4.49% | 0.78% | 2,922 |
| Q2 2024 | $39.9M | $36.4M | $25.1M | $3.1M | $109K | 0.55% | 4.36% | 1.04% | 2,942 |
Loan mix (Q1 2026): real estate $15.0M · commercial $768K · consumer $7.0M · securities $12.7M
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 | 0.34% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 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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