Peoples Advantage
Petersburg, VA · Charter 17464 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)
NCUA · 5 branches
Q2 2026
$115.3MAssets
$59.4MLoans
$87.8MShares
$25.5MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 94% of credit unions under $1B in assets in the Richmond, VA area (rank 1 of 16).
- Widest gap: nonperforming loans / loans trails 81% of credit unions under $1B in assets in the Richmond, VA area (rank 14 of 16).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.88%
Rank 1 of 16
Net Interest Margin
4.85%
Rank 6 of 16
Efficiency Ratio
66.82%
Rank 2 of 16
Equity / Assets
22.15%
Rank 3 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.88% | 0.51% | 0.86% | 1.14% | Beats 94% | 1 / 16 | |
| Return on Equity | 13.02% | 2.74% | 6.89% | 10.47% | Beats 88% | 2 / 16 | |
| Net Interest Margin | 4.85% | 3.59% | 3.78% | 5.26% | Beats 63% | 6 / 16 | |
| Efficiency Ratio | 66.82% | 72.78% | 78.57% | 80.89% | Beats 94% | 2 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.10% | 0.60% | 1.42% | 1.93% | Beats 19% | 14 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 22.15% | 10.18% | 10.87% | 18.48% | Beats 81% | 3 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 22.15% | 10.18% | 10.87% | 18.48% | Beats 81% | 3 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 67.63% | 55.40% | 64.78% | 71.88% | 63rd pctl | 6 / 16 | |
| Loans / Assets | 51.47% | 48.81% | 51.73% | 64.39% | 44th pctl | 9 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |