| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | -1.1% | +0.9% | -2.0 pts |
| Loan growth (YoY) | -7.8% | -2.6% | -5.1 pts |
| ROA | 1.92% | 0.65% | +1.3 pts |
| ROE | 8.0% | 4.4% | +3.6 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $76.3M | $57.3M | $7.5M | $18.4M | $734K | 1.92% | 3.49% | 0.43% | 3,603 |
| Q1 2026 | $76.9M | $58.4M | $7.4M | $18.1M | $355K | 1.85% | 3.36% | 0.87% | 3,654 |
| Q4 2025 | $75.3M | $57.1M | $7.9M | $17.7M | $2.0M | 2.67% | 4.17% | 0.53% | 3,699 |
| Q3 2025 | $74.8M | $57.2M | $7.8M | $17.2M | $1.5M | 2.69% | 4.22% | 0.55% | 3,761 |
| Q2 2025 | $74.9M | $57.9M | $8.1M | $16.7M | $991K | 2.65% | 4.25% | 0.44% | 3,812 |
| Q1 2025 | $76.2M | $59.7M | $8.0M | $16.2M | $462K | 2.43% | 4.03% | 0.29% | 3,883 |
| Q4 2024 | $73.8M | $57.9M | $8.4M | $15.7M | $2.5M | 3.37% | 4.99% | 0.86% | 3,951 |
| Q3 2024 | $75.0M | $59.6M | $8.5M | $15.1M | $1.9M | 3.33% | 4.99% | 1.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 0.65% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,080 |
| Q2 2024 | $75.3M | $60.5M | $8.1M | $14.5M | $1.2M | 3.27% | 5.06% | 0.71% | 4,119 |
Loan mix (Q2 2026): real estate $3.2M · commercial $0 · consumer $4.2M · securities $4.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.6% | 80.6% | 4th |
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: Newport News (City), VA, ranked 11th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Newport News (City), VA | 2 | $57.3M* | 1.04% | 11th |
Virginia: 165th with 0.01% · Virginia Beach-Chesapeake-Norfolk metro: 32nd, 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2