| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.1% | +1.4 pts |
| Share growth (YoY) | +4.9% | +3.5% | +1.3 pts |
| Loan growth (YoY) | -2.6% | +2.9% | -5.4 pts |
| ROA | 1.14% | 0.74% | +0.4 pts |
| ROE | 10.5% | 6.5% | +4.0 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 | $297.8M | $268.0M | $148.5M | $32.4M | $1.7M | 1.14% | 3.57% | 0.96% | 16,081 |
| Q1 2026 | $295.0M | $265.7M | $148.0M | $31.5M | $803K | 1.09% | 3.54% | 0.68% | 16,140 |
| Q4 2025 | $291.9M | $262.9M | $150.7M | $30.7M | $2.8M | 0.97% | 3.54% | 0.87% | 16,213 |
| Q3 2025 | $284.1M | $256.0M | $150.3M | $30.0M | $2.2M | 1.02% | 3.58% | 1.26% | 16,575 |
| Q2 2025 | $282.3M | $255.5M | $152.4M | $29.1M | $1.2M | 0.87% | 3.56% | 1.03% | 15,484 |
| Q1 2025 | $286.4M | $260.7M | $149.7M | $28.5M | $637K | 0.89% | 3.41% | 0.91% | 17,062 |
| Q4 2024 | $270.9M | $246.6M | $149.9M | $27.8M | $1.7M | 0.63% | 3.27% | 0.53% | 17,084 |
| Q3 2024 | $272.2M | $247.7M | $148.1M | $27.5M | $1.4M | 0.68% | 3.18% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.74% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 6.5% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.75% |
| 17,184 |
| Q2 2024 | $268.4M | $247.4M | $146.5M | $27.2M | $1.1M | 0.79% | 3.15% | 0.33% | 17,302 |
Loan mix (Q2 2026): real estate $35.5M · commercial $17.9M · consumer $92.3M · securities $114.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 77.5% | 30th |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Prince George, VA, ranked 1st with 42.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Prince George, VA | 2 | $178.6M* | 42.33% | 1st |
| Chesterfield, VA | 1 | $89.3M* | 0.91% | 17th |
Virginia: 96th with 0.07% · Richmond metro: 22nd, 0.40% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 3