Poly Scientific Employees
Blacksburg, VA · Charter 13544 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$5.5MAssets
$2.5MLoans
$4.0MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 95% of credit unions under $1B in assets (rank 83 of 1683).
- Widest gap: nonperforming loans / loans trails 97% of credit unions under $1B in assets (rank 1633 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.44%
Rank 1,194 of 1,683
Net Interest Margin
3.68%
Rank 965 of 1,683
Efficiency Ratio
74.26%
Rank 647 of 1,682
Equity / Assets
26.27%
Rank 83 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.44% | 0.35% | 0.74% | 1.18% | Beats 29% | 1,194 / 1,683 | |
| Return on Equity | 1.66% | 2.67% | 5.89% | 8.74% | Beats 18% | 1,373 / 1,681 | |
| Net Interest Margin | 3.68% | 3.31% | 3.82% | 4.32% | Beats 43% | 965 / 1,683 | |
| Efficiency Ratio | 74.26% | 68.91% | 78.20% | 86.93% | Beats 62% | 647 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.58% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,633 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 26.27% | 10.44% | 12.89% | 16.53% | Beats 95% | 83 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 26.27% | 10.44% | 12.89% | 16.53% | Beats 95% | 83 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 62.48% | 52.61% | 69.38% | 83.50% | 38th pctl | 1,036 / 1,683 | |
| Loans / Assets | 46.07% | 44.71% | 59.18% | 70.72% | 27th pctl | 1,226 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |