Langley Federal Credit Union
Total assets
$5.68B
▲ +2.7% YoY
Shares & deposits
$4.90B
▲ +2.7% YoY
Loans
$4.55B
▲ +0.2% YoY
Members
405,305
▲ +2.5% YoY
ROA (annualized)
0.60%
peers 0.71%
ROE (annualized)
6.68%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +5.1% | -2.4 pts |
| Share growth (YoY) | +2.7% | +4.9% | -2.2 pts |
| Loan growth (YoY) | +0.2% | +5.4% | -5.3 pts |
| ROA | 0.60% | 0.71% | -0.1 pts |
| ROE | 6.7% | 6.3% | +0.4 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 721 Lakefront Cmns, Newport News, VA, 23606
- NCUA charter #
- 1261
- RSSD ID
- 722674
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.68B | $4.90B | $4.55B | $507.1M | $8.5M | 0.60% | 3.17% | 1.15% | 405,305 |
| Q4 2025 | $5.65B | $4.86B | $4.53B | $498.6M | $37.3M | 0.66% | 3.12% | 1.26% | 402,059 |
| Q3 2025 | $5.61B | $4.84B | $4.58B | $497.5M | $29.2M | 0.70% | 3.11% | 1.20% | 400,170 |
| Q2 2025 | $5.58B | $4.83B | $4.55B | $478.5M | $10.2M | 0.36% | 3.06% | 1.20% | 396,729 |
| Q1 2025 | $5.53B | $4.77B | $4.54B | $470.6M | $2.1M | 0.15% | 3.03% | 1.15% | 395,432 |
| Q4 2024 | $5.40B | $4.64B | $4.55B | $468.5M | $13.4M | 0.25% | 2.84% | 1.48% | 391,662 |
| Q3 2024 | $5.36B | $4.61B | $4.51B | $474.8M | $12.5M | 0.31% | 2.80% | 1.38% | 384,941 |
| Q2 2024 | $5.35B | $4.59B | $4.56B | $471.8M | $9.5M | 0.36% | 2.77% | 1.25% | 381,401 |
Loan mix (Q1 2026): real estate $2.03B · commercial $157.9M · consumer $2.33B · securities $514.6M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.60% | 0.71% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 6.3% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.32% | 41th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.7% | 73.0% | 16th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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