| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | -0.0% | +0.9% | -1.0 pts |
| Loan growth (YoY) | -6.1% | -2.6% | -3.5 pts |
| ROA | 1.26% | 0.65% | +0.6 pts |
| ROE | 9.4% | 4.4% | +5.1 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.8M | $1.6M | $370K | $238K | $11K | 1.26% | 3.65% | 0.57% | 791 |
| Q1 2026 | $1.8M | $1.5M | $379K | $236K | $9K | 1.95% | 3.73% | 0.71% | 788 |
| Q4 2025 | $1.8M | $1.5M | $400K | $227K | $36K | 2.04% | 4.15% | 0.00% | 775 |
| Q3 2025 | $1.8M | $1.5M | $378K | $220K | $28K | 2.14% | 4.26% | 0.52% | 746 |
| Q2 2025 | $1.8M | $1.6M | $395K | $211K | $20K | 2.26% | 4.08% | 1.19% | 739 |
| Q1 2025 | $1.7M | $1.5M | $362K | $198K | $6K | 1.50% | 3.63% | 0.00% | 712 |
| Q4 2024 | $1.6M | $1.4M | $333K | $191K | $64K | 3.92% | 4.58% | 4.81% | 708 |
| Q3 2024 | $1.7M | $1.5M | $314K | $183K | $55K | 4.34% | 4.44% | 2.45% | 699 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.65% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.4% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.5M |
| $1.4M |
| $330K |
| $166K |
| $39K |
| 5.13% |
| 4.79% |
| 3.14% |
| 683 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $370K · securities $654K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 80.6% | 18th |
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: Norfolk (City), VA, ranked 20th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Norfolk (City), VA | 1 | $1.6M* | 0.02% | 20th |
Virginia: 233rd with 0.00% · Virginia Beach-Chesapeake-Norfolk metro: 47th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1