| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +3.8% | +0.9% | +2.9 pts |
| Loan growth (YoY) | +8.1% | -2.6% | +10.7 pts |
| ROA | 0.58% | 0.65% | -0.1 pts |
| ROE | 3.9% | 4.4% | -0.5 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $34.4M | $29.2M | $28.4M | $5.1M | $99K | 0.58% | 3.04% | 0.07% | 2,293 |
| Q1 2026 | $33.8M | $28.6M | $27.1M | $5.1M | $47K | 0.56% | 2.99% | 0.67% | 2,290 |
| Q4 2025 | $33.1M | $28.0M | $27.2M | $5.0M | $158K | 0.48% | 3.12% | 0.50% | 2,293 |
| Q3 2025 | $33.2M | $28.1M | $26.3M | $5.0M | $114K | 0.46% | 3.08% | 0.78% | 2,290 |
| Q2 2025 | $33.1M | $28.1M | $26.3M | $4.9M | $30K | 0.18% | 3.02% | 0.72% | 2,299 |
| Q1 2025 | $32.7M | $27.9M | $25.5M | $4.9M | $22K | 0.27% | 2.73% | 0.77% | 2,301 |
| Q4 2024 | $32.0M | $27.1M | $26.4M | $4.9M | $212K | 0.66% | 3.15% | 0.46% | 2,296 |
| Q3 2024 | $32.5M | $27.7M | $26.9M | $4.8M | $174K | 0.71% | 3.09% | 0.17% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.65% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,295 |
| Q2 2024 | $32.3M | $27.5M | $27.3M | $4.8M | $103K | 0.64% | 3.03% | 0.20% | 2,305 |
Loan mix (Q2 2026): real estate $9.2M · commercial $0 · consumer $17.9M · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 80.6% | 56th |
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: Portsmouth (City), VA, ranked 9th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Portsmouth (City), VA | 1 | $29.2M* | 0.89% | 9th |
Virginia: 179th with 0.01% · Virginia Beach-Chesapeake-Norfolk metro: 35th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1