Bristol, VA · Charter 11567
NCUA · 1 branch
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
88
Asset Quality
1
Profitability
31
Liquidity
0
Efficiency
3
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.
Bristol, VA · Charter 11567
NCUA · 1 branch
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 | -1.93% | -0.52% | -0.31% | -0.62% | -1.75% | +18 bps | |
| Return on Equity | -10.20% | -2.47% | -1.46% | -3.22% | -8.54% | +167 bps | |
| Net Interest Margin | 3.58% | 4.71% | 4.52% | 3.93% | 4.17% | +59 bps | |
| Efficiency Ratio | 152.91% | 110.89% | 106.66% | 115.28% | 140.63% | -1,228 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.35% | -17.67% | -13.90% | -1.24% | -8.18% | +217 bps | |
| Loan Growth (YoY) | -18.12% | -12.54% | -7.42% | -6.59% | -12.65% | +548 bps | |
| Share Growth (YoY) | -11.65% | -21.02% | -16.53% | -1.32% | -9.95% | +170 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.87% | 10.79% | 8.18% | 9.41% | 8.82% | -205 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 | 18.92% | 21.16% | 21.10% | 19.27% | 20.47% | +155 bps | |
| Net Worth / Assets | 18.92% | 21.16% | 21.10% | 19.27% | 20.47% | +155 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.13% | 26.72% | 30.99% | 23.54% | 24.38% | -75 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bristol, VA · Charter 11567 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.90%
Rank 1,647 of 1,683
Net Interest Margin
4.76%
Rank 225 of 1,683
Efficiency Ratio
120.00%
Rank 1,639 of 1,682
Equity / Assets
20.48%
Rank 210 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.90% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,647 / 1,683 | |
| Return on Equity | -9.30% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,618 / 1,681 | |
| Net Interest Margin | 4.76% | 3.31% | 3.82% | 4.32% | Beats 87% | 225 / 1,683 | |
| Efficiency Ratio | 120.00% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,639 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 9.76% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,671 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.48% | 10.44% | 12.89% | 16.53% | Beats 88% | 210 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.48% | 10.44% | 12.89% | 16.53% | Beats 88% | 210 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 24.55% | 52.61% | 69.38% | 83.50% | 3rd pctl | 1,634 / 1,683 | |
| Loans / Assets | 19.52% | 44.71% | 59.18% | 70.72% | 3rd pctl | 1,637 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||