Henrico
Henrico, VA · Charter 18175 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)
NCUA · 9 branches
Q2 2026
$499.7MAssets
$321.8MLoans
$447.6MShares
$53.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets in the Richmond, VA area (rank 1 of 16).
- Widest gap: net interest margin trails 87% of credit unions under $1B in assets in the Richmond, VA area (rank 14 of 16).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.04%
Rank 6 of 16
Net Interest Margin
3.30%
Rank 14 of 16
Efficiency Ratio
66.49%
Rank 1 of 16
Equity / Assets
10.68%
Rank 10 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.51% | 0.86% | 1.14% | Beats 63% | 6 / 16 | | |
| Return on Equity | 9.77% | 2.74% | 6.89% | 10.47% | Beats 69% | 5 / 16 | | |
| Net Interest Margin | 3.30% | 3.59% | 3.78% | 5.26% | Beats 13% | 14 / 16 | | |
| Efficiency Ratio | 66.49% | 72.78% | 78.57% | 80.89% | Beats 100% | 1 / 16 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.44% | 0.60% | 1.42% | 1.93% | Beats 44% | 10 / 16 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.68% | 10.18% | 10.87% | 18.48% | Beats 38% | 10 / 16 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.68% | 10.18% | 10.87% | 18.48% | Beats 38% | 10 / 16 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.88% | 55.40% | 64.78% | 71.88% | 75th pctl | 4 / 16 | | |
| Loans / Assets | 64.39% | 48.81% | 51.73% | 64.39% | 75th pctl | 4 / 16 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |