| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +0.9% | +0.9% | -0.0 pts |
| Loan growth (YoY) | +27.1% | -2.6% | +29.7 pts |
| ROA | 0.54% | 0.65% | -0.1 pts |
| ROE | 7.1% | 4.4% | +2.7 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.4M | $7.7M | $3.7M | $639K | $23K | 0.54% | 5.20% | 0.00% | 1,512 |
| Q1 2026 | $9.1M | $8.5M | $3.7M | $598K | $5K | 0.24% | 4.10% | 0.00% | 1,511 |
| Q4 2025 | $8.4M | $7.9M | $3.4M | $599K | $901 | 0.01% | 5.00% | 0.00% | 1,505 |
| Q3 2025 | $7.8M | $7.2M | $3.1M | $579K | $-19K | -0.33% | 5.22% | 0.02% | 1,514 |
| Q2 2025 | $8.2M | $7.7M | $3.0M | $582K | $-16K | -0.38% | 4.72% | 0.00% | 1,532 |
| Q1 2025 | $8.3M | $7.7M | $2.8M | $586K | $-12K | -0.58% | 4.57% | 0.00% | 1,526 |
| Q4 2024 | $7.5M | $6.9M | $2.8M | $598K | $-996 | -0.01% | 5.44% | 0.00% | 1,534 |
| Q3 2024 | $7.5M | $6.9M | $3.0M | $623K | $24K | 0.43% | 5.61% | 0.02% | 1,543 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.65% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.20% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $8.0M | $7.4M | $3.0M | $594K | $-46K | -1.15% | 2.62% | 0.00% | 1,541 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.5M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.4% | 80.6% | 76th |
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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Norfolk (City), VA, ranked 18th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Norfolk (City), VA | 2 | $7.7M* | 0.09% | 18th |
Virginia: 207th with 0.00% · Virginia Beach-Chesapeake-Norfolk metro: 44th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2