Yogaville Federal Credit Union
Total assets
$4.5M
▲ +1.0% YoY
Shares & deposits
$3.2M
▲ +0.6% YoY
Loans
$2.3M
▼ -13.1% YoY
Members
386
▼ -4.5% YoY
ROA (annualized)
0.44%
peers 0.60%
ROE (annualized)
1.57%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +0.7% | +0.7% | -0.0 pts |
| Loan growth (YoY) | -13.1% | -2.4% | -10.8 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 1.6% | 4.1% | -2.5 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
Profile
- Established
- 1983
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- 108 Yogaville Way, Buckingham, VA, 23921
- NCUA charter #
- 23974
- RSSD ID
- 40695
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.5M | $3.2M | $2.3M | $1.3M | $5K | 0.44% | 3.22% | 1.90% | 386 |
| Q4 2025 | $4.5M | $3.2M | $2.4M | $1.3M | $19K | 0.41% | 3.16% | 2.50% | 388 |
| Q3 2025 | $4.5M | $3.2M | $2.4M | $1.3M | $16K | 0.46% | 3.19% | 1.65% | 394 |
| Q2 2025 | $4.5M | $3.3M | $2.4M | $1.3M | $11K | 0.49% | 3.12% | 0.56% | 397 |
| Q1 2025 | $4.5M | $3.2M | $2.6M | $1.2M | $2K | 0.16% | 2.91% | 5.67% | 404 |
| Q4 2024 | $4.4M | $3.2M | $2.6M | $1.2M | $7K | 0.16% | 2.72% | 5.51% | 405 |
| Q3 2024 | $4.5M | $3.2M | $2.6M | $1.2M | $6K | 0.16% | 2.63% | 0.30% | 410 |
| Q2 2024 | $4.6M | $3.3M | $2.7M | $1.2M | $7K | 0.30% | 2.63% | 0.18% | 410 |
Loan mix (Q1 2026): real estate $1.6M · commercial $0 · consumer $359K · securities $1.5M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.83% | 25th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.1% | 81.5% | 49th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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