Vantage Point
Hopewell, VA · Charter 17630 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$45.0MAssets
$15.5MLoans
$37.2MShares
$7.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 76% of credit unions under $1B in assets (rank 409 of 1683).
- Widest gap: nonperforming loans / loans trails 88% of credit unions under $1B in assets (rank 1474 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |