Hopewell, VA · Charter 16605
NCUA · 3 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 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.
Capital
44
Asset Quality
94
Profitability
29
Liquidity
24
Efficiency
87
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.
Hopewell, VA · Charter 16605
NCUA · 3 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 | 1.01% | 1.02% | 1.05% | 1.35% | 0.51% | -51 bps | |
| Return on Equity | 9.83% | 9.78% | 9.97% | 12.76% | 4.71% | -512 bps | |
| Net Interest Margin | 3.20% | 3.26% | 3.32% | 3.53% | 3.62% | +42 bps | |
| Efficiency Ratio | 74.25% | 73.01% | 72.40% | 68.15% | 66.96% | -729 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.19% | 2.71% | 4.95% | 6.26% | 8.00% | +819 bps | |
| Loan Growth (YoY) | -0.49% | -4.98% | -4.57% | -2.53% | -5.85% | -536 bps | |
| Share Growth (YoY) | -1.15% | 2.01% | 3.69% | 5.37% | 7.46% | +861 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.30% | 0.10% | 0.31% | 0.31% | -15 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 | 10.32% | 10.43% | 10.54% | 10.56% | 10.81% | +49 bps | |
| Net Worth / Assets | 10.32% | 10.43% | 10.54% | 10.56% | 10.81% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.82% | 49.72% | 49.17% | 46.60% | 45.40% | -642 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hopewell, VA · Charter 16605 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)
NCUA · 3 branches
Q2 2026
Return on Assets
0.51%
Rank 12 of 16
Net Interest Margin
3.62%
Rank 11 of 16
Efficiency Ratio
67.00%
Rank 3 of 16
Equity / Assets
10.81%
Rank 9 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.51% | 0.86% | 1.14% | Beats 25% | 12 / 16 | |
| Return on Equity | 4.72% | 2.74% | 6.89% | 10.47% | Beats 31% | 11 / 16 | |
| Net Interest Margin | 3.62% | 3.59% | 3.78% | 5.26% | Beats 31% | 11 / 16 | |
| Efficiency Ratio | 67.00% | 72.78% | 78.57% | 80.89% | Beats 87% | 3 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 0.60% | 1.42% | 1.93% | Beats 94% | 2 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.81% | 10.18% | 10.87% | 18.48% | Beats 44% | 9 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.81% | 10.18% | 10.87% | 18.48% | Beats 44% | 9 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.40% | 55.40% | 64.78% | 71.88% | 13th pctl | 14 / 16 | |
| Loans / Assets | 39.60% | 48.81% | 51.73% | 64.39% | 13th pctl | 14 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||