Langley
Newport News, VA · Charter 1261 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
$5.6BAssets
$4.6BLoans
$4.8BShares
$520.1MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 89% of credit unions $1B-$10B in assets (rank 49 of 435).
- Widest gap: equity / assets trails 86% of credit unions $1B-$10B in assets (rank 372 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |