PackageTrendsPeer
Letter portraitLegal landscape

Call

Glen Allen, VA · Charter 15209

NCUA · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Richmond, VA area3

Basis

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.

Peer group

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.

Peer standing

Capital

31

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

15

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

19

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Call

Glen Allen, VA · Charter 15209

NCUA · 10 branches

Q2 2026

$557.1MAssets
$271.9MLoans
$497.7MShares
$58.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.28%, down 4 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.60% of loans (+33 bps YoY).
  • Capital: net worth / assets of 10.47%, down 2 bps from a year ago.
  • Funding: loans stand at 54.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+22 bps YoY

Efficiency Ratio (YTD, annualized)

91.20%-11 bps YoY

Net Worth / Assets

10.47%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.33%0.31%0.20%0.28%-4 bps
Return on Equity3.02%3.08%2.90%1.98%2.69%-33 bps
Net Interest Margin3.00%3.07%3.13%3.10%3.22%+22 bps
Efficiency Ratio91.31%91.15%91.90%93.02%91.20%-11 bps
Growth
Asset Growth (YoY)3.40%3.45%5.02%2.99%2.98%-42 bps
Loan Growth (YoY)2.43%2.16%3.13%3.77%2.39%-4 bps
Share Growth (YoY)2.34%2.73%3.39%2.12%2.51%+17 bps
Asset Quality
Delinquent Loans / Loans0.26%0.35%0.56%0.24%0.60%+33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.49%10.62%10.75%10.14%10.47%-2 bps
Net Worth / Assets10.49%10.62%10.75%10.14%10.47%-2 bps
Liquidity & Funding
Loans / Shares54.69%55.10%56.66%53.13%54.63%-6 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Call

Glen Allen, VA · Charter 15209 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)

NCUA · 10 branches

Q2 2026

$557.1MAssets
$271.9MLoans
$497.7MShares
$58.3MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 75% of credit unions under $1B in assets in the Richmond, VA area (rank 5 of 16).
  • Widest gap: net interest margin trails 94% of credit unions under $1B in assets in the Richmond, VA area (rank 15 of 16).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.28%

Rank 13 of 16

Net Interest Margin

3.22%

Rank 15 of 16

Efficiency Ratio

91.21%

Rank 14 of 16

Equity / Assets

10.47%

Rank 11 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.28%0.51%0.86%1.14%Beats 19%13 / 16
Return on Equity2.69%2.74%6.89%10.47%Beats 19%13 / 16
Net Interest Margin3.22%3.59%3.78%5.26%Beats 6%15 / 16
Efficiency Ratio91.21%72.78%78.57%80.89%Beats 19%14 / 16
Asset Quality
Nonperforming Loans / Loans0.60%0.60%1.42%1.93%Beats 75%5 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.47%10.18%10.87%18.48%Beats 31%11 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.47%10.18%10.87%18.48%Beats 31%11 / 16
Liquidity & Funding
Loans / Deposits54.63%55.40%64.78%71.88%19th pctl13 / 16
Loans / Assets48.81%48.81%51.73%64.39%25th pctl12 / 16
Brokered Deposits / Depositsn/aNot reported for this institution