Chesapeake, VA · Charter 16706
NCUA · 4 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
73
Asset Quality
87
Profitability
31
Liquidity
20
Efficiency
33
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 16706
NCUA · 4 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 | 0.28% | 0.27% | 0.27% | 0.30% | 0.31% | +4 bps | |
| Return on Equity | 1.76% | 1.69% | 1.70% | 1.87% | 1.96% | +20 bps | |
| Net Interest Margin | 4.40% | 4.39% | 4.41% | 4.10% | 4.15% | -24 bps | |
| Efficiency Ratio | 93.20% | 93.51% | 93.36% | 89.66% | 89.62% | -358 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.07% | 0.40% | -0.83% | -1.61% | -0.11% | +196 bps | |
| Loan Growth (YoY) | -8.21% | -5.15% | 2.12% | 2.92% | -0.31% | +790 bps | |
| Share Growth (YoY) | -3.36% | -0.65% | -1.50% | -2.93% | -0.73% | +263 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.62% | 0.42% | 0.40% | 0.36% | -20 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 | 15.71% | 15.78% | 15.87% | 15.81% | 16.02% | +31 bps | |
| Net Worth / Assets | 15.71% | 15.78% | 15.87% | 15.81% | 16.02% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.70% | 77.47% | 79.48% | 78.26% | 78.02% | +32 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Chesapeake, VA · Charter 16706 · Peer group: credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15)
NCUA · 4 branches
Q2 2026
Return on Assets
0.31%
Rank 11 of 15
Net Interest Margin
4.15%
Rank 9 of 15
Efficiency Ratio
89.60%
Rank 11 of 15
Equity / Assets
16.02%
Rank 4 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.25% | 0.55% | 1.21% | Beats 27% | 11 / 15 | |
| Return on Equity | 1.96% | 1.15% | 4.72% | 7.96% | Beats 27% | 11 / 15 | |
| Net Interest Margin | 4.15% | 3.58% | 4.16% | 4.82% | Beats 40% | 9 / 15 | |
| Efficiency Ratio | 89.60% | 63.64% | 83.86% | 92.62% | Beats 33% | 11 / 15 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.43% | 0.61% | 1.64% | Beats 87% | 3 / 15 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.02% | 10.27% | 13.30% | 16.02% | Beats 73% | 4 / 15 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.02% | 10.27% | 13.30% | 16.02% | Beats 73% | 4 / 15 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.02% | 41.09% | 53.09% | 77.25% | 80th pctl | 3 / 15 | |
| Loans / Assets | 63.30% | 35.73% | 46.13% | 63.30% | 73rd pctl | 4 / 15 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||