Chesapeake, VA · Charter 13605
NCUA · 16 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 under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
7
Asset Quality
53
Profitability
20
Liquidity
0
Efficiency
40
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.
Chesapeake, VA · Charter 13605
NCUA · 16 branches
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 | 0.41% | 0.36% | 0.01% | 0.03% | 0.12% | 0.11% | -0.07% | 0.03% | 0 bps | |
| Return on Equity | 4.74% | 4.18% | 0.11% | 0.39% | 1.56% | 1.43% | -0.92% | 0.43% | +4 bps | |
| Net Interest Margin | 3.77% | 3.82% | 3.67% | 3.53% | 3.48% | 3.55% | 3.62% | 3.80% | +27 bps | |
| Efficiency Ratio | 80.44% | 78.83% | 84.80% | 82.82% | 80.44% | 81.56% | 91.54% | 86.72% | +391 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.81% | -5.29% | -2.93% | 8.15% | 14.55% | 14.57% | 5.70% | -3.34% | -1,149 bps | |
| Loan Growth (YoY) | -4.26% | -6.00% | 2.51% | 14.99% | 19.63% | 19.04% | 7.56% | -4.65% | -1,965 bps | |
| Share Growth (YoY) | -4.54% | -6.05% | -3.54% | 2.11% | 6.46% | 9.78% | 4.33% | 2.81% | +70 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.99% | 0.82% | 0.84% | 0.95% | 0.76% | 0.63% | 0.61% | -23 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 | 8.70% | 8.71% | 8.11% | 7.70% | 7.60% | 7.58% | 7.64% | 7.95% | +25 bps | |
| Net Worth / Assets | 8.70% | 8.71% | 8.11% | 7.70% | 7.60% | 7.58% | 7.64% | 7.95% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.82% | 84.70% | 86.88% | 95.56% | 95.32% | 91.84% | 89.58% | 88.62% | -694 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chesapeake, VA · Charter 13605 · Peer group: credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15)
NCUA · 16 branches
Q2 2026
Return on Assets
0.03%
Rank 13 of 15
Net Interest Margin
3.80%
Rank 10 of 15
Efficiency Ratio
86.73%
Rank 10 of 15
Equity / Assets
7.95%
Rank 14 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.03% | 0.25% | 0.55% | 1.21% | Beats 13% | 13 / 15 | ||
| Return on Equity | 0.43% | 1.15% | 4.72% | 7.96% | Beats 13% | 13 / 15 | ||
| Net Interest Margin | 3.80% | 3.58% | 4.16% | 4.82% | Beats 33% | 10 / 15 | ||
| Efficiency Ratio | 86.73% | 63.64% | 83.86% | 92.62% | Beats 40% | 10 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.61% | 0.43% | 0.61% | 1.64% | Beats 53% | 8 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.95% | 10.27% | 13.30% | 16.02% | Beats 7% | 14 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.95% | 10.27% | 13.30% | 16.02% | Beats 7% | 14 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.62% | 41.09% | 53.09% | 77.25% | 87th pctl | 2 / 15 | ||
| Loans / Assets | 79.24% | 35.73% | 46.13% | 63.30% | 87th pctl | 2 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||