| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +1.3% | -5.0 pts |
| Share growth (YoY) | -6.7% | +0.9% | -7.6 pts |
| Loan growth (YoY) | -25.2% | -2.6% | -22.6 pts |
| ROA | 0.81% | 0.65% | +0.2 pts |
| ROE | 2.8% | 4.4% | -1.6 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.8M | $3.4M | $1.1M | $1.4M | $19K | 0.81% | 4.03% | 4.57% | 446 |
| Q1 2026 | $4.9M | $3.5M | $1.2M | $1.4M | $10K | 0.79% | 4.26% | 0.07% | 455 |
| Q4 2025 | $4.9M | $3.5M | $1.4M | $1.4M | $64K | 1.31% | 4.21% | 0.00% | 457 |
| Q3 2025 | $5.0M | $3.7M | $1.5M | $1.3M | $38K | 1.01% | 3.98% | 1.73% | 461 |
| Q2 2025 | $4.9M | $3.6M | $1.5M | $1.3M | $23K | 0.93% | 3.94% | 0.17% | 464 |
| Q1 2025 | $4.9M | $3.5M | $1.5M | $1.3M | $13K | 1.10% | 4.19% | 0.21% | 473 |
| Q4 2024 | $5.0M | $3.7M | $1.5M | $1.3M | $14K | 0.27% | 2.66% | 0.76% | 480 |
| Q3 2024 | $5.1M | $3.8M | $1.5M | $1.3M | $-12K | -0.30% | 2.12% | 0.83% | 469 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.65% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.0M | $3.8M | $1.5M | $1.3M | $-27K | -1.06% | 1.13% | 0.39% | 476 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $969K · securities $3.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 80.6% | 48th |
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: Hopewell (City), VA, ranked 5th with 1.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hopewell (City), VA | 1 | $3.4M* | 1.17% | 5th |
Virginia: 221st with 0.00% · Richmond metro: 51st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1