Salem, VA · Charter 1127
NCUA · 3 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
82
Profitability
51
Liquidity
70
Efficiency
29
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.
Salem, VA · Charter 1127
NCUA · 3 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 | 0.95% | 0.97% | 0.91% | 0.67% | 0.71% | -24 bps | |
| Return on Equity | 7.88% | 7.78% | 7.28% | 5.37% | 5.48% | -240 bps | |
| Net Interest Margin | 4.03% | 4.12% | 4.07% | 3.81% | 3.94% | -9 bps | |
| Efficiency Ratio | 81.05% | 81.05% | 81.97% | 85.44% | 85.27% | +422 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.48% | 2.12% | 2.38% | 0.49% | -0.98% | -346 bps | |
| Loan Growth (YoY) | -11.08% | -11.16% | -6.98% | -0.75% | 5.67% | +1,675 bps | |
| Share Growth (YoY) | 1.82% | 1.72% | 2.03% | -1.04% | -3.56% | -538 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.22% | 0.09% | 0.26% | 0.16% | -18 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 | 12.10% | 12.53% | 12.56% | 12.55% | 13.02% | +92 bps | |
| Net Worth / Assets | 12.10% | 12.53% | 12.56% | 12.55% | 13.02% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.58% | 69.04% | 67.89% | 70.10% | 76.24% | +666 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Salem, VA · Charter 1127 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.71%
Rank 863 of 1,683
Net Interest Margin
3.94%
Rank 721 of 1,683
Efficiency Ratio
85.28%
Rank 1,198 of 1,682
Equity / Assets
13.02%
Rank 817 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.35% | 0.74% | 1.18% | Beats 49% | 863 / 1,683 | |
| Return on Equity | 5.47% | 2.67% | 5.89% | 8.74% | Beats 46% | 903 / 1,681 | |
| Net Interest Margin | 3.94% | 3.31% | 3.82% | 4.32% | Beats 57% | 721 / 1,683 | |
| Efficiency Ratio | 85.28% | 68.91% | 78.20% | 86.93% | Beats 29% | 1,198 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.16% | 0.26% | 0.65% | 1.29% | Beats 82% | 308 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.02% | 10.44% | 12.89% | 16.53% | Beats 51% | 817 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.02% | 10.44% | 12.89% | 16.53% | Beats 51% | 817 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.24% | 52.61% | 69.38% | 83.50% | 62nd pctl | 637 / 1,683 | |
| Loans / Assets | 63.46% | 44.71% | 59.18% | 70.72% | 60th pctl | 680 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||