Norfolk, VA · Charter 22049
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
0
Asset Quality
100
Profitability
69
Liquidity
80
Efficiency
27
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 22049
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 | -0.38% | -0.33% | 0.01% | 0.24% | 0.54% | +93 bps | |
| Return on Equity | -5.42% | -4.48% | 0.15% | 3.63% | 7.08% | +1,251 bps | |
| Net Interest Margin | 4.72% | 5.22% | 5.00% | 4.10% | 5.20% | +47 bps | |
| Efficiency Ratio | 106.20% | 104.87% | 102.57% | 95.90% | 92.41% | -1,379 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.87% | 3.72% | 10.92% | 9.14% | 1.62% | -126 bps | |
| Loan Growth (YoY) | -2.82% | 2.89% | 22.16% | 32.32% | 27.09% | +2,991 bps | |
| Share Growth (YoY) | 3.72% | 4.54% | 15.00% | 9.91% | 0.90% | -282 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.91% | 1.12% | 0.51% | 0.48% | 0.47% | -45 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.08% | 7.39% | 7.15% | 6.60% | 7.65% | +57 bps | |
| Net Worth / Assets | 7.08% | 7.39% | 7.15% | 6.60% | 7.65% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.53% | 42.53% | 42.83% | 43.24% | 48.52% | +1,000 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Norfolk, VA · Charter 22049 · 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
0.55%
Rank 8 of 15
Net Interest Margin
5.20%
Rank 1 of 15
Efficiency Ratio
92.62%
Rank 12 of 15
Equity / Assets
7.65%
Rank 15 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.25% | 0.55% | 1.21% | Beats 47% | 8 / 15 | |
| Return on Equity | 7.20% | 1.15% | 4.72% | 7.96% | Beats 67% | 5 / 15 | |
| Net Interest Margin | 5.20% | 3.58% | 4.16% | 4.82% | Beats 93% | 1 / 15 | |
| Efficiency Ratio | 92.62% | 63.64% | 83.86% | 92.62% | Beats 27% | 12 / 15 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.43% | 0.61% | 1.64% | Beats 100% | 1 / 15 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.65% | 10.27% | 13.30% | 16.02% | Beats 0% | 15 / 15 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.65% | 10.27% | 13.30% | 16.02% | Beats 0% | 15 / 15 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.53% | 41.09% | 53.09% | 77.25% | 33rd pctl | 10 / 15 | |
| Loans / Assets | 44.89% | 35.73% | 46.13% | 63.30% | 40th pctl | 9 / 15 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||