Danville, VA · Charter 19867
NCUA · 11 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
65
Asset Quality
22
Profitability
63
Liquidity
0
Efficiency
35
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.
Danville, VA · Charter 19867
NCUA · 11 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.08% | 0.66% | 0.70% | 0.73% | 0.46% | 0.67% | 0.71% | +1 bps | |
| Return on Equity | 9.58% | 7.67% | 4.68% | 4.88% | 4.97% | 3.20% | 4.65% | 4.83% | -5 bps | |
| Net Interest Margin | 6.19% | 6.21% | 5.97% | 6.12% | 6.25% | 6.30% | 5.93% | 6.02% | -10 bps | |
| Efficiency Ratio | 72.80% | 75.73% | 79.00% | 79.79% | 79.18% | 80.54% | 83.36% | 83.07% | +328 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.14% | -0.75% | -4.79% | -2.01% | -1.27% | -1.71% | -0.83% | -0.75% | +127 bps | |
| Loan Growth (YoY) | -0.07% | -2.48% | -5.27% | -5.60% | -6.67% | -5.75% | -2.45% | -0.49% | +511 bps | |
| Share Growth (YoY) | 2.50% | 0.11% | -4.60% | -2.23% | -2.33% | -2.62% | -1.80% | -1.67% | +56 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 1.91% | 1.43% | 1.62% | 1.94% | 1.77% | 1.29% | 1.47% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.29% | 14.09% | 14.09% | 14.39% | 14.75% | 14.48% | 14.35% | 14.65% | +26 bps | |
| Net Worth / Assets | 14.29% | 14.09% | 14.09% | 14.39% | 14.75% | 14.48% | 14.35% | 14.65% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.44% | 96.92% | 92.85% | 94.13% | 93.11% | 93.80% | 92.24% | 95.26% | +113 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Danville, VA · Charter 19867 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
Return on Assets
0.71%
Rank 871 of 1,683
Net Interest Margin
6.02%
Rank 40 of 1,683
Efficiency Ratio
83.07%
Rank 1,094 of 1,682
Equity / Assets
14.65%
Rank 588 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.35% | 0.74% | 1.18% | Beats 48% | 871 / 1,683 | ||
| Return on Equity | 4.83% | 2.67% | 5.89% | 8.74% | Beats 42% | 972 / 1,681 | ||
| Net Interest Margin | 6.02% | 3.31% | 3.82% | 4.32% | Beats 98% | 40 / 1,683 | ||
| Efficiency Ratio | 83.07% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,094 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.47% | 0.26% | 0.65% | 1.29% | Beats 22% | 1,313 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.65% | 10.44% | 12.89% | 16.53% | Beats 65% | 588 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.65% | 10.44% | 12.89% | 16.53% | Beats 65% | 588 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.26% | 52.61% | 69.38% | 83.50% | 93rd pctl | 111 / 1,683 | ||
| Loans / Assets | 80.17% | 44.71% | 59.18% | 70.72% | 92nd pctl | 133 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||