Roanoke, VA · Charter 11111
NCUA · 16 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
43
Asset Quality
71
Profitability
28
Liquidity
0
Efficiency
12
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Roanoke, VA · Charter 11111
NCUA · 16 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.58% | 0.63% | 0.56% | 0.55% | -5 bps | |
| Return on Equity | 5.67% | 5.44% | 5.90% | 5.19% | 5.23% | -44 bps | |
| Net Interest Margin | 2.82% | 2.87% | 2.83% | 3.07% | 3.11% | +28 bps | |
| Efficiency Ratio | 83.09% | 82.66% | 81.43% | 83.59% | 82.13% | -96 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.69% | 0.66% | 4.44% | 5.68% | 7.32% | +801 bps | |
| Loan Growth (YoY) | -0.71% | 2.00% | 5.00% | 7.09% | 8.04% | +874 bps | |
| Share Growth (YoY) | 7.05% | 7.28% | 5.41% | 1.46% | 3.54% | -351 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.36% | 0.41% | 0.40% | 0.48% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.65% | 10.72% | 10.61% | 10.73% | 10.56% | -9 bps | |
| Net Worth / Assets | 10.65% | 10.72% | 10.61% | 10.73% | 10.56% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.02% | 102.44% | 102.72% | 104.04% | 106.46% | +443 bps | |
| Liquid Assets / Assets | 98.73% | 0.00% | 0.00% | 0.00% | 0.00% | -9,873 bps | |
Roanoke, VA · Charter 11111 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
0.55%
Rank 328 of 435
Net Interest Margin
3.10%
Rank 297 of 435
Efficiency Ratio
82.13%
Rank 384 of 435
Equity / Assets
10.56%
Rank 248 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.55% | 0.81% | 1.14% | Beats 25% | 328 / 435 | |
| Return on Equity | 5.23% | 5.12% | 7.41% | 9.70% | Beats 27% | 318 / 435 | |
| Net Interest Margin | 3.10% | 3.01% | 3.39% | 3.75% | Beats 32% | 297 / 435 | |
| Efficiency Ratio | 82.13% | 65.25% | 71.39% | 77.86% | Beats 12% | 384 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.45% | 0.69% | 1.05% | Beats 71% | 128 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.56% | 9.81% | 10.84% | 12.63% | Beats 43% | 248 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.56% | 9.81% | 10.84% | 12.63% | Beats 43% | 248 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 106.46% | 78.33% | 88.38% | 95.61% | 96th pctl | 17 / 435 | |
| Loans / Assets | 84.94% | 67.69% | 74.58% | 80.80% | 90th pctl | 45 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||