Norfolk, VA · Charter 19973
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 in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
20
Profitability
22
Liquidity
76
Efficiency
7
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.
Norfolk, VA · Charter 19973
NCUA · 1 branch
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 | -0.49% | -0.44% | -1.48% | -0.57% | -0.33% | -1.09% | -2.51% | -1.19% | -62 bps | |
| Return on Equity | -3.34% | -2.89% | -9.73% | -3.51% | -2.07% | -7.09% | -17.59% | -8.35% | -484 bps | |
| Net Interest Margin | 3.93% | 4.16% | 4.05% | 4.39% | 4.35% | 4.57% | 4.30% | 4.53% | +13 bps | |
| Efficiency Ratio | 107.52% | 106.81% | 107.90% | 100.42% | 99.61% | 97.32% | 109.55% | 103.64% | +322 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.39% | -8.38% | -11.70% | -15.06% | -8.78% | -6.60% | -1.92% | 3.36% | +1,843 bps | |
| Loan Growth (YoY) | 14.15% | 11.22% | 5.85% | -9.83% | -11.65% | -15.35% | -17.58% | -17.21% | -738 bps | |
| Share Growth (YoY) | -15.26% | -13.43% | -13.88% | -10.13% | -3.85% | -1.22% | 0.84% | 5.33% | +1,545 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.17% | 0.00% | 0.86% | 1.86% | 1.06% | 2.67% | 2.89% | +203 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 | 0.19% | 0.32% | 0.55% | 0.45% | 0.45% | 0.66% | 0.90% | 1.02% | +57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.61% | 15.32% | 15.25% | 16.17% | 15.71% | 15.31% | 14.24% | 14.27% | -190 bps | |
| Net Worth / Assets | 14.61% | 15.32% | 15.25% | 16.17% | 15.71% | 15.31% | 14.24% | 14.27% | -190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.03% | 81.44% | 76.05% | 77.13% | 72.62% | 69.79% | 62.16% | 60.62% | -1,651 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Norfolk, VA · Charter 19973 · Peer group: credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15)
NCUA · 1 branch
Q2 2026
Return on Assets
-1.19%
Rank 15 of 15
Net Interest Margin
4.53%
Rank 5 of 15
Efficiency Ratio
103.76%
Rank 15 of 15
Equity / Assets
14.27%
Rank 6 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.19% | 0.25% | 0.55% | 1.21% | Beats 0% | 15 / 15 | ||
| Return on Equity | -8.33% | 1.15% | 4.72% | 7.96% | Beats 0% | 15 / 15 | ||
| Net Interest Margin | 4.53% | 3.58% | 4.16% | 4.82% | Beats 67% | 5 / 15 | ||
| Efficiency Ratio | 103.76% | 63.64% | 83.86% | 92.62% | Beats 7% | 15 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.89% | 0.43% | 0.61% | 1.64% | Beats 20% | 13 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.27% | 10.27% | 13.30% | 16.02% | Beats 60% | 6 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.27% | 10.27% | 13.30% | 16.02% | Beats 60% | 6 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.62% | 41.09% | 53.09% | 77.25% | 60th pctl | 6 / 15 | ||
| Loans / Assets | 52.04% | 35.73% | 46.13% | 63.30% | 60th pctl | 6 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||