| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.7% | +1.3% | -12.9 pts |
| Share growth (YoY) | -13.1% | +0.9% | -14.0 pts |
| Loan growth (YoY) | -7.1% | -2.6% | -4.5 pts |
| ROA | 0.10% | 0.65% | -0.5 pts |
| ROE | 1.0% | 4.4% | -3.4 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.0M | $13.5M | $13.1M | $1.5M | $8K | 0.10% | 5.27% | 5.95% | 2,796 |
| Q1 2026 | $16.6M | $15.0M | $13.4M | $1.5M | $3K | 0.08% | 4.67% | 4.59% | 2,785 |
| Q4 2025 | $15.7M | $14.2M | $13.6M | $1.5M | $14K | 0.09% | 5.00% | 4.17% | 2,783 |
| Q3 2025 | $16.2M | $14.6M | $13.8M | $1.5M | $11K | 0.09% | 4.76% | 4.63% | 2,794 |
| Q2 2025 | $17.0M | $15.5M | $14.1M | $1.5M | $7K | 0.09% | 4.52% | 3.87% | 2,781 |
| Q1 2025 | $18.6M | $17.0M | $13.3M | $1.5M | $4K | 0.09% | 4.09% | 3.31% | 2,772 |
| Q4 2024 | $17.6M | $16.0M | $12.9M | $1.5M | $12K | 0.07% | 4.12% | 3.40% | 2,776 |
| Q3 2024 | $17.0M | $15.5M | $12.6M | $1.5M | $9K | 0.07% | 4.23% | 2.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.65% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.4% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,771 |
| Q2 2024 | $17.5M | $16.0M | $12.4M | $1.5M | $6K | 0.07% | 4.09% | 1.74% | 2,774 |
Loan mix (Q2 2026): real estate $2.7M · commercial $2.3M · consumer $7.2M · securities $173K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.0% | 80.6% | 81st |
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 2025). Biggest market: Chesterfield, VA, ranked 28th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Chesterfield, VA | 1 | $13.5M* | 0.14% | 28th |
Virginia: 193rd with 0.00% · Richmond metro: 45th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1