Summit Hampton Roads 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
$8.2M Assets
$4.3M Loans
$7.1M Shares
$1.2M Net Worth
Executive Summary Strongest standing: net interest margin outperforms 67% of credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (rank 5 of 15). Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (rank 15 of 15). Overall: at or above the peer median on 3 of 7 directional measures. 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
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11