| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +1.3% | +4.3 pts |
| Share growth (YoY) | +3.9% | +0.9% | +3.0 pts |
| Loan growth (YoY) | -4.1% | -2.6% | -1.5 pts |
| ROA | 0.39% | 0.65% | -0.3 pts |
| ROE | 4.6% | 4.4% | +0.2 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $46.9M | $42.0M | $16.8M | $3.9M | $91K | 0.39% | 4.16% | 1.00% | 4,481 |
| Q1 2026 | $46.5M | $41.8M | $17.2M | $3.9M | $51K | 0.44% | 4.12% | 1.10% | 4,513 |
| Q4 2025 | $45.8M | $40.8M | $17.7M | $3.9M | $424K | 0.92% | 3.95% | 1.17% | 4,536 |
| Q3 2025 | $44.7M | $40.0M | $17.8M | $3.7M | $307K | 0.92% | 3.98% | 0.69% | 4,595 |
| Q2 2025 | $44.5M | $40.4M | $17.5M | $3.6M | $116K | 0.52% | 3.93% | 0.52% | 4,611 |
| Q1 2025 | $44.9M | $40.9M | $17.4M | $3.5M | $45K | 0.40% | 3.80% | 0.14% | 4,614 |
| Q4 2024 | $43.5M | $39.5M | $18.0M | $3.4M | $172K | 0.40% | 3.69% | 0.29% | 4,638 |
| Q3 2024 | $42.6M | $38.7M | $17.9M | $3.4M | $149K | 0.47% | 3.70% | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.65% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.4% | 52nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,676 |
| Q2 2024 | $43.0M | $39.4M | $17.0M | $3.3M | $12K | 0.06% | 3.60% | 0.36% | 4,686 |
Loan mix (Q2 2026): real estate $1.2M · commercial $0 · consumer $15.3M · securities $21.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 80.6% | 60th |
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 2 states (+2 vs 2025). Biggest market: Newport News (City), VA, ranked 18th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Newport News (City), VA | 1 | $14.0M* | 0.25% | 18th |
| Hampton (City), VA | 1 | $14.0M* | 0.42% | 11th |
| Wayne, NC | 1 | $14.0M* | 0.48% | 16th |
Virginia: 180th with 0.01% · North Carolina: 153rd with 0.00% · Virginia Beach-Chesapeake-Norfolk metro: 37th, 0.05% · Goldsboro metro: 16th, 0.48% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3