Newport News, VA · Charter 1261
NCUA · 21 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
14
Asset Quality
16
Profitability
49
Liquidity
52
Efficiency
89
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.
Newport News, VA · Charter 1261
NCUA · 21 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 | 0.36% | 0.70% | 0.66% | 0.60% | 0.76% | +40 bps | |
| Return on Equity | 4.24% | 7.84% | 7.49% | 6.68% | 8.25% | +401 bps | |
| Net Interest Margin | 3.06% | 3.11% | 3.12% | 3.17% | 3.27% | +21 bps | |
| Efficiency Ratio | 65.74% | 60.24% | 61.20% | 62.70% | 59.27% | -647 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.40% | 4.58% | 4.56% | 2.73% | 0.77% | -363 bps | |
| Loan Growth (YoY) | -0.17% | 1.64% | -0.49% | 0.19% | 0.95% | +112 bps | |
| Share Growth (YoY) | 5.17% | 5.01% | 4.77% | 2.67% | 0.06% | -511 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.20% | 1.19% | 1.26% | 1.15% | 1.32% | +12 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 | 8.57% | 8.87% | 8.83% | 8.93% | 9.25% | +67 bps | |
| Net Worth / Assets | 8.57% | 8.87% | 8.83% | 8.93% | 9.25% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.24% | 94.70% | 93.09% | 92.91% | 95.08% | +83 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newport News, VA · Charter 1261 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
Return on Assets
0.76%
Rank 241 of 435
Net Interest Margin
3.27%
Rank 254 of 435
Efficiency Ratio
59.27%
Rank 49 of 435
Equity / Assets
9.25%
Rank 372 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.55% | 0.81% | 1.14% | Beats 45% | 241 / 435 | |
| Return on Equity | 8.25% | 5.12% | 7.41% | 9.70% | Beats 60% | 176 / 435 | |
| Net Interest Margin | 3.27% | 3.01% | 3.39% | 3.75% | Beats 42% | 254 / 435 | |
| Efficiency Ratio | 59.27% | 65.25% | 71.39% | 77.86% | Beats 89% | 49 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.32% | 0.45% | 0.69% | 1.05% | Beats 16% | 368 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.25% | 9.81% | 10.84% | 12.63% | Beats 14% | 372 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.25% | 9.81% | 10.84% | 12.63% | Beats 14% | 372 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.08% | 78.33% | 88.38% | 95.61% | 74th pctl | 114 / 435 | |
| Loans / Assets | 81.64% | 67.69% | 74.58% | 80.80% | 80th pctl | 87 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||