| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.8% | +2.6 pts |
| Share growth (YoY) | +6.7% | +4.3% | +2.4 pts |
| Loan growth (YoY) | +13.3% | +4.3% | +8.9 pts |
| ROA | 0.85% | 0.62% | +0.2 pts |
| ROE | 8.2% | 5.9% | +2.3 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $501.0M | $449.8M | $308.2M | $51.8M | $1.1M | 0.85% | 3.15% | 1.14% | 31,449 |
| Q4 2025 | $486.1M | $435.8M | $300.8M | $50.8M | $5.4M | 1.10% | 3.04% | 1.26% | 31,329 |
| Q3 2025 | $476.8M | $428.3M | $297.8M | $49.3M | $3.7M | 1.04% | 3.00% | 1.33% | 31,472 |
| Q2 2025 | $465.5M | $418.9M | $286.2M | $47.9M | $2.3M | 0.99% | 2.98% | 1.39% | 31,286 |
| Q1 2025 | $466.5M | $421.6M | $272.1M | $46.7M | $1.1M | 0.98% | 2.86% | 1.29% | 31,049 |
| Q4 2024 | $449.0M | $407.4M | $262.2M | $45.6M | $4.1M | 0.92% | 2.69% | 1.55% | 30,775 |
| Q3 2024 | $466.4M | $405.3M | $260.9M | $44.2M | $2.5M | 0.73% | 2.49% | 1.35% | 30,860 |
| Q2 2024 | $457.0M | $398.2M | $256.9M | $43.2M | $1.6M | 0.69% | 2.46% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.62% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 5.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.26% |
| 30,780 |
Loan mix (Q1 2026): real estate $103.5M · commercial $13.4M · consumer $187.2M · securities $120.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.0% | 78.3% | 20th |
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.
9 branches in 2 counties across 1 state (-1 vs 2024). Biggest market: Henrico, VA, ranked 10th with 3.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Henrico, VA | 8 | $372.4M* | 3.28% | 10th |
| Chesterfield, VA | 1 | $46.5M* | 0.48% | 22nd |
Virginia: 75th with 0.10% · Richmond metro: 17th, 0.56% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 10 · 2023 10 · 2024 10 · 2025 9