Hopewell, VA · Charter 17630
NCUA · 2 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
12
Profitability
47
Liquidity
10
Efficiency
54
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 17630
NCUA · 2 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 | 0.26% | 0.33% | 0.31% | 0.87% | 0.76% | +50 bps | |
| Return on Equity | 1.53% | 1.96% | 1.84% | 5.23% | 4.54% | +301 bps | |
| Net Interest Margin | 3.51% | 3.52% | 3.57% | 3.87% | 3.80% | +30 bps | |
| Efficiency Ratio | 83.05% | 79.64% | 79.39% | 75.69% | 76.98% | -607 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.79% | 2.55% | 3.63% | 3.22% | 5.26% | +347 bps | |
| Loan Growth (YoY) | -7.53% | -8.70% | -9.20% | -9.46% | -7.61% | -8 bps | |
| Share Growth (YoY) | 1.52% | 2.35% | 3.82% | 3.04% | 5.39% | +387 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.67% | 3.08% | 1.82% | 2.26% | 2.20% | -47 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 | 16.98% | 16.91% | 16.92% | 16.64% | 16.68% | -30 bps | |
| Net Worth / Assets | 16.98% | 16.91% | 16.92% | 16.64% | 16.68% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.69% | 45.89% | 44.46% | 42.07% | 41.81% | -588 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hopewell, VA · Charter 17630 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.76%
Rank 821 of 1,683
Net Interest Margin
3.80%
Rank 856 of 1,683
Efficiency Ratio
76.97%
Rank 776 of 1,682
Equity / Assets
16.69%
Rank 409 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.35% | 0.74% | 1.18% | Beats 51% | 821 / 1,683 | |
| Return on Equity | 4.53% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,009 / 1,681 | |
| Net Interest Margin | 3.80% | 3.31% | 3.82% | 4.32% | Beats 49% | 856 / 1,683 | |
| Efficiency Ratio | 76.97% | 68.91% | 78.20% | 86.93% | Beats 54% | 776 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.19% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,474 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.69% | 10.44% | 12.89% | 16.53% | Beats 76% | 409 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.69% | 10.44% | 12.89% | 16.53% | Beats 76% | 409 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 41.81% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,470 / 1,683 | |
| Loans / Assets | 34.57% | 44.71% | 59.18% | 70.72% | 12th pctl | 1,475 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||