| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -2.4% | +0.9% | -3.3 pts |
| Loan growth (YoY) | -10.1% | -2.6% | -7.4 pts |
| ROA | 1.21% | 0.65% | +0.6 pts |
| ROE | 11.8% | 4.4% | +7.4 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.4M | $49.2M | $23.8M | $5.6M | $329K | 1.21% | 4.43% | 1.64% | 3,859 |
| Q1 2026 | $55.2M | $50.1M | $24.2M | $5.5M | $202K | 1.46% | 4.30% | 1.77% | 3,902 |
| Q4 2025 | $54.8M | $49.8M | $24.9M | $5.3M | $819K | 1.49% | 4.31% | 1.72% | 3,938 |
| Q3 2025 | $55.6M | $50.8M | $25.6M | $5.2M | $677K | 1.62% | 4.33% | 1.61% | 3,746 |
| Q2 2025 | $54.8M | $50.4M | $26.4M | $4.9M | $437K | 1.59% | 4.31% | 1.88% | 3,977 |
| Q1 2025 | $54.3M | $50.2M | $26.0M | $4.7M | $206K | 1.51% | 4.22% | 1.19% | 4,010 |
| Q4 2024 | $52.1M | $48.5M | $25.9M | $4.5M | $786K | 1.51% | 4.14% | 2.35% | 4,053 |
| Q3 2024 | $52.9M | $49.3M | $25.7M | $4.4M | $617K | 1.56% | 4.02% | 1.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.65% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 4.4% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,094 |
| Q2 2024 | $52.3M | $49.4M | $26.2M | $4.2M | $413K | 1.58% | 3.98% | 1.58% | 4,125 |
Loan mix (Q2 2026): real estate $5.0M · commercial $0 · consumer $17.3M · securities $25.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 80.6% | 14th |
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 2 states (+2 vs 2025). Biggest market: Newport News (City), VA, ranked 14th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Newport News (City), VA | 2 | $32.8M* | 0.60% | 14th |
| Collin, TX | 1 | $16.4M* | 0.04% | 101st |
Virginia: 176th with 0.01% · Texas: 749th with 0.00% · Virginia Beach-Chesapeake-Norfolk metro: 34th, 0.06% · Dallas-Fort Worth-Arlington metro: 245th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3