Berryville, VA · Charter 14408
NCUA · 2 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
100
Profitability
19
Liquidity
12
Efficiency
10
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.
Berryville, VA · Charter 14408
NCUA · 2 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 | -0.23% | -0.29% | -0.12% | -0.24% | 0.11% | +34 bps | |
| Return on Equity | -1.04% | -1.27% | -0.52% | -1.06% | 0.48% | +152 bps | |
| Net Interest Margin | 3.21% | 3.17% | 3.37% | 3.24% | 3.39% | +18 bps | |
| Efficiency Ratio | 102.46% | 105.74% | 101.26% | 104.99% | 95.48% | -698 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.73% | -12.36% | -8.23% | -10.32% | -6.13% | +260 bps | |
| Loan Growth (YoY) | -12.38% | -15.56% | -12.29% | -11.70% | -7.02% | +537 bps | |
| Share Growth (YoY) | -12.66% | -13.96% | -10.69% | -12.41% | -8.33% | +433 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.86% | 0.72% | 0.25% | 0.09% | 0.00% | -86 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 | 22.14% | 22.54% | 23.08% | 22.88% | 23.64% | +150 bps | |
| Net Worth / Assets | 22.14% | 22.54% | 23.08% | 22.88% | 23.64% | +150 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.74% | 40.76% | 41.71% | 38.98% | 42.34% | +60 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Berryville, VA · Charter 14408 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.12%
Rank 1,429 of 1,683
Net Interest Margin
3.39%
Rank 1,205 of 1,683
Efficiency Ratio
95.78%
Rank 1,521 of 1,682
Equity / Assets
23.65%
Rank 121 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.35% | 0.74% | 1.18% | Beats 15% | 1,429 / 1,683 | |
| Return on Equity | 0.52% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,456 / 1,681 | |
| Net Interest Margin | 3.39% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,205 / 1,683 | |
| Efficiency Ratio | 95.78% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,521 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 23.65% | 10.44% | 12.89% | 16.53% | Beats 93% | 121 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 23.65% | 10.44% | 12.89% | 16.53% | Beats 93% | 121 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.33% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,454 / 1,683 | |
| Loans / Assets | 34.51% | 44.71% | 59.18% | 70.72% | 12th pctl | 1,478 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||