Pearisburg, VA · Charter 17675
NCUA · 1 branch
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
93
Asset Quality
85
Profitability
40
Liquidity
63
Efficiency
85
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.
Pearisburg, VA · Charter 17675
NCUA · 1 branch
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 | 1.32% | 1.04% | 0.58% | 1.52% | 1.05% | -27 bps | |
| Return on Equity | 5.39% | 4.35% | 2.44% | 6.33% | 4.35% | -104 bps | |
| Net Interest Margin | 3.29% | 2.93% | 2.77% | 2.95% | 2.89% | -40 bps | |
| Efficiency Ratio | 59.88% | 64.51% | 79.13% | 48.67% | 63.68% | +379 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.29% | 1.98% | 1.27% | 2.57% | 3.73% | +143 bps | |
| Loan Growth (YoY) | -12.54% | -4.08% | -11.96% | -12.24% | 1.51% | +1,404 bps | |
| Share Growth (YoY) | 2.49% | 2.24% | 0.90% | 2.72% | 4.30% | +181 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.03% | 0.03% | 0.02% | 0.02% | 0.10% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.24% | 2.11% | 2.19% | 2.35% | 2.19% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.56% | 23.91% | 23.73% | 23.98% | 24.14% | -42 bps | |
| Net Worth / Assets | 24.56% | 23.91% | 23.73% | 23.98% | 24.14% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.49% | 60.71% | 58.37% | 54.39% | 57.89% | -160 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pearisburg, VA · Charter 17675 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.07%
Rank 522 of 1,683
Net Interest Margin
2.91%
Rank 1,494 of 1,683
Efficiency Ratio
63.33%
Rank 251 of 1,682
Equity / Assets
24.14%
Rank 114 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.07% | 0.35% | 0.74% | 1.18% | Beats 69% | 522 / 1,683 | |
| Return on Equity | 4.43% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,032 / 1,681 | |
| Net Interest Margin | 2.91% | 3.31% | 3.82% | 4.32% | Beats 11% | 1,494 / 1,683 | |
| Efficiency Ratio | 63.33% | 68.91% | 78.20% | 86.93% | Beats 85% | 251 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.11% | 0.26% | 0.65% | 1.29% | Beats 85% | 246 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 24.14% | 10.44% | 12.89% | 16.53% | Beats 93% | 114 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 24.14% | 10.44% | 12.89% | 16.53% | Beats 93% | 114 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.87% | 52.61% | 69.38% | 83.50% | 32nd pctl | 1,148 / 1,683 | |
| Loans / Assets | 43.90% | 44.71% | 59.18% | 70.72% | 24th pctl | 1,277 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||