Central Virginia
Lynchburg, VA · Charter 22307 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$197.8MAssets
$117.3MLoans
$171.2MShares
$24.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 87% of credit unions under $1B in assets (rank 211 of 1681).
- Widest gap: nonperforming loans / loans trails 81% of credit unions under $1B in assets (rank 1363 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 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 |