Suffolk, VA · Charter 21367
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
80
Asset Quality
7
Profitability
40
Liquidity
47
Efficiency
20
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.
Suffolk, VA · Charter 21367
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 | 1.26% | 0.62% | 0.01% | 0.56% | 0.73% | 0.20% | 0.44% | 0.21% | -35 bps | |
| Return on Equity | 6.28% | 3.15% | 0.06% | 2.85% | 3.48% | 0.95% | 2.02% | 0.97% | -188 bps | |
| Net Interest Margin | 5.51% | 5.53% | 5.02% | 4.98% | 5.29% | 5.18% | 5.39% | 4.99% | +1 bps | |
| Efficiency Ratio | 86.95% | 90.39% | 84.39% | 86.70% | 86.43% | 93.03% | 91.43% | 95.79% | +909 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.52% | 0.04% | 1.33% | 4.09% | -4.18% | -4.31% | -8.64% | -9.66% | -1,375 bps | |
| Loan Growth (YoY) | -14.80% | -15.58% | -15.85% | -16.85% | -18.59% | -16.60% | -14.33% | -13.48% | +338 bps | |
| Share Growth (YoY) | -4.48% | -0.82% | 0.86% | 4.26% | -5.59% | -6.43% | -11.90% | -12.85% | -1,710 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.00% | 4.56% | 6.65% | 9.46% | 5.05% | 6.53% | 8.30% | 12.10% | +264 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 | 2.51% | 2.64% | 2.86% | 2.25% | 1.82% | 1.59% | 1.64% | 1.08% | -117 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.98% | 19.84% | 19.53% | 19.63% | 21.06% | 20.93% | 21.69% | 21.73% | +210 bps | |
| Net Worth / Assets | 19.98% | 19.84% | 19.53% | 19.63% | 21.06% | 20.93% | 21.69% | 21.73% | +210 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.06% | 48.61% | 43.93% | 41.36% | 43.17% | 43.32% | 42.72% | 41.06% | -30 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Suffolk, VA · Charter 21367 · 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
0.25%
Rank 12 of 15
Net Interest Margin
5.00%
Rank 3 of 15
Efficiency Ratio
95.71%
Rank 13 of 15
Equity / Assets
21.73%
Rank 3 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.25% | 0.25% | 0.55% | 1.21% | Beats 20% | 12 / 15 | ||
| Return on Equity | 1.15% | 1.15% | 4.72% | 7.96% | Beats 20% | 12 / 15 | ||
| Net Interest Margin | 5.00% | 3.58% | 4.16% | 4.82% | Beats 80% | 3 / 15 | ||
| Efficiency Ratio | 95.71% | 63.64% | 83.86% | 92.62% | Beats 20% | 13 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 12.04% | 0.43% | 0.61% | 1.64% | Beats 7% | 15 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.73% | 10.27% | 13.30% | 16.02% | Beats 80% | 3 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.73% | 10.27% | 13.30% | 16.02% | Beats 80% | 3 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.09% | 41.09% | 53.09% | 77.25% | 20th pctl | 12 / 15 | ||
| Loans / Assets | 31.47% | 35.73% | 46.13% | 63.30% | 13th pctl | 13 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||