| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.4% | +1.3% | -7.7 pts |
| Share growth (YoY) | -8.3% | +0.7% | -8.9 pts |
| Loan growth (YoY) | -5.4% | -2.4% | -3.1 pts |
| ROA | 0.83% | 0.60% | +0.2 pts |
| ROE | 6.7% | 4.1% | +2.6 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.4M | $9.1M | $4.6M | $1.3M | $22K | 0.83% | 4.45% | 0.71% | 1,043 |
| Q4 2025 | $10.2M | $9.1M | $4.6M | $1.3M | $92K | 0.90% | 4.59% | 0.59% | 1,052 |
| Q3 2025 | $10.5M | $9.2M | $4.9M | $1.2M | $63K | 0.80% | 4.52% | 0.00% | 1,055 |
| Q2 2025 | $10.7M | $9.5M | $4.8M | $1.2M | $41K | 0.76% | 4.28% | 0.46% | 1,059 |
| Q1 2025 | $11.1M | $9.9M | $4.8M | $1.2M | $11K | 0.38% | 3.98% | 0.53% | 1,071 |
| Q4 2024 | $10.2M | $9.0M | $4.8M | $1.2M | $43K | 0.42% | 3.94% | 1.51% | 1,088 |
| Q3 2024 | $10.1M | $8.9M | $4.9M | $1.2M | $38K | 0.50% | 3.89% | 0.86% | 1,100 |
| Q2 2024 | $9.7M | $8.6M | $5.0M | $1.2M | $20K | 0.42% | 3.97% | 1.08% | 1,113 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.60% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.3M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 81.5% | 58th |
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 2024). Biggest market: Virginia Beach (City), VA, ranked 24th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Virginia Beach (City), VA | 1 | $9.5M* | 0.06% | 24th |
Virginia: 198th with 0.00% · Virginia Beach-Chesapeake-Norfolk metro: 41st, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1