Richmond, VA · Charter 1282
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 in the Richmond, VA area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
100
Profitability
31
Liquidity
56
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.
Richmond, VA · Charter 1282
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.66% | -2.74% | -0.47% | -0.72% | -0.66% | -0.85% | -0.74% | -0.23% | +49 bps | |
| Return on Equity | -6.63% | -7.02% | -1.26% | -1.88% | -1.72% | -2.23% | -1.98% | -0.62% | +126 bps | |
| Net Interest Margin | 5.21% | 5.69% | 5.21% | 5.43% | 5.45% | 5.51% | 5.27% | 5.26% | -16 bps | |
| Efficiency Ratio | 97.29% | 102.89% | 107.83% | 105.28% | 105.41% | 104.18% | 97.25% | 94.94% | -1,034 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.88% | -5.34% | 4.07% | 0.17% | 0.02% | 0.13% | -3.38% | 1.61% | +144 bps | |
| Loan Growth (YoY) | -2.17% | -0.22% | 10.84% | 6.81% | 13.28% | 20.31% | 20.61% | 19.04% | +1,223 bps | |
| Share Growth (YoY) | -12.92% | -37.63% | -31.12% | 2.54% | 1.32% | 1.81% | -3.77% | 3.82% | +128 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.14% | 0.33% | 0.43% | 0.86% | 0.64% | 0.77% | 0.30% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 40.09% | 39.10% | 37.09% | 38.41% | 38.59% | 38.08% | 37.37% | 37.10% | -132 bps | |
| Net Worth / Assets | 40.09% | 39.10% | 37.09% | 38.41% | 38.59% | 38.08% | 37.37% | 37.10% | -132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.83% | 60.26% | 54.67% | 60.91% | 68.01% | 71.22% | 68.52% | 69.84% | +893 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Richmond, VA · Charter 1282 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.23%
Rank 15 of 16
Net Interest Margin
5.27%
Rank 3 of 16
Efficiency Ratio
94.99%
Rank 15 of 16
Equity / Assets
37.10%
Rank 1 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.23% | 0.51% | 0.86% | 1.14% | Beats 6% | 15 / 16 | ||
| Return on Equity | -0.61% | 2.74% | 6.89% | 10.47% | Beats 6% | 15 / 16 | ||
| Net Interest Margin | 5.27% | 3.59% | 3.78% | 5.26% | Beats 81% | 3 / 16 | ||
| Efficiency Ratio | 94.99% | 72.78% | 78.57% | 80.89% | Beats 12% | 15 / 16 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.60% | 1.42% | 1.93% | Beats 100% | 1 / 16 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 37.10% | 10.18% | 10.87% | 18.48% | Beats 94% | 1 / 16 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 37.10% | 10.18% | 10.87% | 18.48% | Beats 94% | 1 / 16 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.84% | 55.40% | 64.78% | 71.88% | 69th pctl | 5 / 16 | ||
| Loans / Assets | 43.84% | 48.81% | 51.73% | 64.39% | 19th pctl | 13 / 16 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||