Virginia Beach, VA · Charter 15536
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 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
40
Asset Quality
67
Profitability
67
Liquidity
100
Efficiency
67
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.
Virginia Beach, VA · Charter 15536
NCUA · 1 branch
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 | 0.76% | 0.80% | 0.90% | 0.83% | 0.78% | +2 bps | |
| Return on Equity | 6.66% | 6.77% | 7.22% | 6.70% | 5.96% | -70 bps | |
| Net Interest Margin | 4.28% | 4.52% | 4.59% | 4.45% | 4.81% | +53 bps | |
| Efficiency Ratio | 78.74% | 80.66% | 80.92% | 85.06% | 82.70% | +396 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.89% | 3.36% | 0.26% | -6.44% | -6.11% | -1,600 bps | |
| Loan Growth (YoY) | -4.35% | -0.53% | -3.30% | -5.42% | -3.35% | +100 bps | |
| Share Growth (YoY) | 10.47% | 3.05% | 0.70% | -8.25% | -7.79% | -1,827 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.00% | 0.59% | 0.71% | 0.50% | +4 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 | 11.40% | 11.87% | 12.41% | 12.45% | 13.04% | +164 bps | |
| Net Worth / Assets | 11.40% | 11.87% | 12.41% | 12.45% | 13.04% | +164 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.65% | 52.81% | 51.00% | 50.18% | 53.09% | +244 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Virginia Beach, VA · Charter 15536 · Peer group: credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15)
NCUA · 1 branch
Q2 2026
Return on Assets
0.78%
Rank 5 of 15
Net Interest Margin
4.82%
Rank 4 of 15
Efficiency Ratio
82.72%
Rank 6 of 15
Equity / Assets
13.04%
Rank 9 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.25% | 0.55% | 1.21% | Beats 67% | 5 / 15 | |
| Return on Equity | 5.95% | 1.15% | 4.72% | 7.96% | Beats 60% | 6 / 15 | |
| Net Interest Margin | 4.82% | 3.58% | 4.16% | 4.82% | Beats 73% | 4 / 15 | |
| Efficiency Ratio | 82.72% | 63.64% | 83.86% | 92.62% | Beats 67% | 6 / 15 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.43% | 0.61% | 1.64% | Beats 67% | 6 / 15 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.04% | 10.27% | 13.30% | 16.02% | Beats 40% | 9 / 15 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.04% | 10.27% | 13.30% | 16.02% | Beats 40% | 9 / 15 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.09% | 41.09% | 53.09% | 77.25% | 47th pctl | 8 / 15 | |
| Loans / Assets | 46.13% | 35.73% | 46.13% | 63.30% | 47th pctl | 8 / 15 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||