Lynchburg, VA · Charter 22307
NCUA · 5 branches
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 (n=1,681 to 1,683). 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
19
Profitability
84
Liquidity
97
Efficiency
69
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.
Lynchburg, VA · Charter 22307
NCUA · 5 branches
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 | 1.45% | 1.44% | 1.35% | 1.57% | 1.65% | 1.60% | 1.31% | 1.38% | -19 bps | |
| Return on Equity | 13.77% | 13.30% | 12.57% | 13.76% | 13.88% | 13.08% | 10.89% | 10.93% | -283 bps | |
| Net Interest Margin | 4.22% | 4.25% | 4.46% | 4.64% | 4.72% | 4.74% | 4.41% | 4.55% | -9 bps | |
| Efficiency Ratio | 69.87% | 70.09% | 69.60% | 67.81% | 67.44% | 68.53% | 73.16% | 71.80% | +400 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.01% | -3.50% | 1.96% | 2.22% | 2.22% | 1.22% | 2.32% | 2.13% | -9 bps | |
| Loan Growth (YoY) | 0.04% | 5.37% | 8.21% | 8.35% | 8.90% | 3.71% | 0.26% | -0.08% | -843 bps | |
| Share Growth (YoY) | -8.05% | -5.53% | 0.44% | 0.80% | 0.73% | -0.48% | 0.89% | 0.91% | +11 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.94% | 1.42% | 1.05% | 1.76% | 1.58% | 1.35% | 1.22% | 1.59% | -16 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.55% | 10.79% | 10.78% | 11.38% | 11.88% | 12.23% | 12.04% | 12.60% | +121 bps | |
| Net Worth / Assets | 10.55% | 10.79% | 10.78% | 11.38% | 11.88% | 12.23% | 12.04% | 12.60% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.79% | 68.63% | 68.01% | 69.22% | 71.13% | 71.52% | 67.58% | 68.54% | -68 bps | |
| Liquid Assets / Assets | 0.00% | 99.75% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lynchburg, VA · Charter 22307 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
1.38%
Rank 303 of 1,683
Net Interest Margin
4.55%
Rank 304 of 1,683
Efficiency Ratio
71.80%
Rank 529 of 1,682
Equity / Assets
12.60%
Rank 893 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.38% | 0.35% | 0.74% | 1.18% | Beats 82% | 303 / 1,683 | ||
| Return on Equity | 10.93% | 2.67% | 5.89% | 8.74% | Beats 87% | 211 / 1,681 | ||
| Net Interest Margin | 4.55% | 3.31% | 3.82% | 4.32% | Beats 82% | 304 / 1,683 | ||
| Efficiency Ratio | 71.80% | 68.91% | 78.20% | 86.93% | Beats 69% | 529 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.59% | 0.26% | 0.65% | 1.29% | Beats 19% | 1,363 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.60% | 10.44% | 12.89% | 16.53% | Beats 47% | 893 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.60% | 10.44% | 12.89% | 16.53% | Beats 47% | 893 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.54% | 52.61% | 69.38% | 83.50% | 49th pctl | 865 / 1,683 | ||
| Loans / Assets | 59.33% | 44.71% | 59.18% | 70.72% | 50th pctl | 838 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||