N A E 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
$125.9M Assets
$79.7M Loans
$102.2M Shares
$20.2M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 87% of credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (rank 3 of 15). Widest gap: return on equity trails 73% of credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (rank 11 of 15). Overall: at or above the peer median on 3 of 7 directional measures. 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11