| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +1.3% | +9.0 pts |
| Share growth (YoY) | +13.1% | +0.9% | +12.2 pts |
| Loan growth (YoY) | +4.0% | -2.6% | +6.6 pts |
| ROA | 2.27% | 0.65% | +1.6 pts |
| ROE | 18.7% | 4.4% | +14.3 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $82.7M | $73.1M | $54.0M | $10.1M | $940K | 2.27% | 3.69% | 1.42% | 10,517 |
| Q1 2026 | $81.7M | $71.7M | $53.3M | $9.5M | $328K | 1.61% | 3.62% | 1.43% | 10,471 |
| Q4 2025 | $75.8M | $66.2M | $53.9M | $9.2M | $587K | 0.77% | 4.12% | 1.41% | 10,458 |
| Q3 2025 | $75.9M | $65.8M | $52.7M | $9.5M | $925K | 1.62% | 4.10% | 1.05% | 8,819 |
| Q2 2025 | $75.0M | $64.6M | $51.9M | $9.1M | $370K | 0.99% | 4.23% | 2.51% | 10,653 |
| Q1 2025 | $76.2M | $65.3M | $51.3M | $8.9M | $175K | 0.92% | 4.12% | 0.40% | 10,719 |
| Q4 2024 | $74.6M | $64.8M | $52.3M | $8.8M | $1.1M | 1.50% | 4.18% | 0.37% | 9,066 |
| Q3 2024 | $76.0M | $65.9M | $52.6M | $8.5M | $849K | 1.49% | 4.10% | 0.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.27% | 0.65% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 18.7% | 4.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 9,100 |
| Q2 2024 | $80.0M | $66.4M | $52.9M | $7.6M | $-8K | -0.02% | 3.90% | 0.44% | 9,062 |
Loan mix (Q2 2026): real estate $31.9M · commercial $0 · consumer $21.5M · securities $8.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 80.6% | 44th |
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 (+0 vs 2025). Biggest market: Richmond (City), VA, ranked 12th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Richmond (City), VA | 2 | $73.1M* | 0.20% | 12th |
Virginia: 158th with 0.02% · Richmond metro: 34th, 0.11% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2