PackageTrendsPeer
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Peoples Advantage

Petersburg, VA · Charter 17464

NCUA · 5 branches

Q2 2026

$115.3MAssets
$59.4MLoans
$87.8MShares
$25.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.88%, down 55 bps year over year; NIM at 4.85%.
  • Asset quality: problem loans at 3.09% of loans (+99 bps YoY).
  • Capital: net worth / assets of 22.15%, down 57 bps from a year ago.
  • Funding: loans stand at 67.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.88%-55 bps YoY

Net Interest Margin (YTD, annualized)

4.85%+24 bps YoY

Efficiency Ratio (YTD, annualized)

66.81%+390 bps YoY

Net Worth / Assets

22.15%-57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.44%2.07%1.36%6.55%2.88%-55 bps
Return on Equity15.12%9.40%6.35%29.35%13.02%-210 bps
Net Interest Margin4.61%4.60%4.65%4.77%4.85%+24 bps
Efficiency Ratio62.90%70.64%78.10%48.78%66.81%+390 bps
Growth
Asset Growth (YoY)10.22%11.78%8.29%6.69%7.36%-286 bps
Loan Growth (YoY)5.90%7.82%8.61%8.44%8.97%+307 bps
Share Growth (YoY)5.52%9.13%7.78%9.22%9.27%+375 bps
Asset Quality
Delinquent Loans / Loans2.10%1.76%1.93%2.30%3.09%+99 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital22.72%22.05%21.43%22.30%22.15%-57 bps
Net Worth / Assets22.72%22.05%21.43%22.30%22.15%-57 bps
Liquidity & Funding
Loans / Shares67.82%68.93%68.70%65.67%67.63%-18 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps