Norfolk, VA · Charter 20004
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
47
Asset Quality
60
Profitability
62
Liquidity
0
Efficiency
80
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 20004
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 | 2.26% | 2.14% | 2.04% | 1.95% | 1.26% | -100 bps | |
| Return on Equity | 18.86% | 17.12% | 15.78% | 14.50% | 9.45% | -941 bps | |
| Net Interest Margin | 4.08% | 4.26% | 4.15% | 3.73% | 3.65% | -43 bps | |
| Efficiency Ratio | 45.62% | 50.48% | 51.62% | 47.79% | 65.54% | +1,992 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.74% | 3.34% | 7.44% | 4.14% | 1.42% | -1,431 bps | |
| Loan Growth (YoY) | 19.66% | 20.24% | 20.19% | 4.74% | -6.11% | -2,578 bps | |
| Share Growth (YoY) | 14.26% | 1.30% | 5.63% | 2.14% | -0.02% | -1,428 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.19% | 0.52% | 0.00% | 0.71% | 0.57% | -62 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.81% | 1.99% | 1.68% | 2.25% | 2.35% | -46 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.97% | 12.52% | 12.93% | 13.46% | 13.32% | +135 bps | |
| Net Worth / Assets | 11.97% | 12.52% | 12.93% | 13.46% | 13.32% | +135 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.45% | 24.67% | 26.23% | 25.01% | 23.90% | -155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Norfolk, VA · Charter 20004 · 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
1.23%
Rank 3 of 15
Net Interest Margin
3.69%
Rank 11 of 15
Efficiency Ratio
63.64%
Rank 4 of 15
Equity / Assets
13.30%
Rank 8 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.23% | 0.25% | 0.55% | 1.21% | Beats 80% | 3 / 15 | |
| Return on Equity | 9.24% | 1.15% | 4.72% | 7.96% | Beats 80% | 3 / 15 | |
| Net Interest Margin | 3.69% | 3.58% | 4.16% | 4.82% | Beats 27% | 11 / 15 | |
| Efficiency Ratio | 63.64% | 63.64% | 83.86% | 92.62% | Beats 80% | 4 / 15 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.43% | 0.61% | 1.64% | Beats 60% | 7 / 15 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.30% | 10.27% | 13.30% | 16.02% | Beats 47% | 8 / 15 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.30% | 10.27% | 13.30% | 16.02% | Beats 47% | 8 / 15 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 23.87% | 41.09% | 53.09% | 77.25% | 7th pctl | 14 / 15 | |
| Loans / Assets | 20.67% | 35.73% | 46.13% | 63.30% | 7th pctl | 14 / 15 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||