| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +5.3% | +0.9% | +4.4 pts |
| Loan growth (YoY) | -17.2% | -2.6% | -14.6 pts |
| ROA | -1.19% | 0.65% | -1.8 pts |
| ROE | -8.4% | 4.4% | -12.7 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.2M | $7.1M | $4.3M | $1.2M | $-49K | -1.19% | 4.53% | 2.89% | 1,105 |
| Q1 2026 | $8.2M | $7.0M | $4.4M | $1.2M | $-52K | -2.51% | 4.30% | 2.67% | 1,111 |
| Q4 2025 | $8.0M | $6.8M | $4.7M | $1.2M | $-87K | -1.09% | 4.57% | 1.06% | 1,132 |
| Q3 2025 | $8.2M | $6.9M | $5.0M | $1.3M | $-20K | -0.33% | 4.35% | 1.86% | 1,145 |
| Q2 2025 | $8.0M | $6.7M | $5.2M | $1.3M | $-23K | -0.57% | 4.39% | 0.86% | 1,104 |
| Q1 2025 | $8.4M | $7.0M | $5.3M | $1.3M | $-31K | -1.48% | 4.05% | 0.00% | 1,115 |
| Q4 2024 | $8.6M | $6.9M | $5.6M | $1.3M | $-38K | -0.44% | 4.16% | 0.17% | 1,151 |
| Q3 2024 | $9.0M | $7.2M | $5.7M | $1.3M | $-33K | -0.49% | 3.93% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.19% | 0.65% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -8.4% | 4.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,179 |
| Q2 2024 | $9.4M | $7.5M | $5.7M | $1.3M | $-9K | -0.19% | 3.81% | 0.37% | 1,288 |
Loan mix (Q2 2026): real estate $149K · commercial $0 · consumer $4.1M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 103.6% | 80.6% | 89th |
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 1 state (+2 vs 2025). Biggest market: Portsmouth (City), VA, ranked 10th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Portsmouth (City), VA | 2 | $4.7M* | 0.14% | 10th |
| Fairfax, VA | 1 | $2.4M* | 0.00% | 58th |
Virginia: 208th with 0.00% · Virginia Beach-Chesapeake-Norfolk metro: 45th, 0.01% · Washington-Arlington-Alexandria metro: 158th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3