Roanoke, VA · Charter 22560
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, 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=1,675 to 1,678). 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
0
Profitability
32
Liquidity
67
Efficiency
3
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.
Roanoke, VA · Charter 22560
NCUA · 1 branch
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.52% | -2.23% | -1.24% | -12.64% | -8.64% | -7.28% | -1.59% | -35 bps | |
| Return on Equity | 8.34% | 5.28% | -24.82% | -13.64% | -293% | -201% | -160.08% | -38.65% | -2,501 bps | |
| Net Interest Margin | 6.48% | 6.17% | 7.25% | 7.16% | 7.60% | 7.28% | 7.47% | 5.08% | -209 bps | |
| Efficiency Ratio | 87.50% | 91.82% | 97.88% | 108.62% | 161.53% | 143.25% | 136.33% | 126.10% | +1,748 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.38% | -6.05% | -20.30% | -17.39% | -28.29% | -30.26% | -23.88% | -19.73% | -235 bps | |
| Loan Growth (YoY) | 2.41% | -6.75% | -18.31% | -30.57% | -36.31% | -39.86% | -39.67% | -37.51% | -694 bps | |
| Share Growth (YoY) | -10.14% | -7.28% | -20.46% | -10.85% | -23.90% | -26.33% | -20.53% | -15.28% | -443 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.35% | 17.84% | 20.22% | 23.48% | 4.38% | 7.82% | 17.83% | 17.19% | -629 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 | 1.88% | 1.89% | 4.98% | 2.10% | 3.47% | 3.48% | 3.89% | 4.51% | +241 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.94% | 9.77% | 9.00% | 9.09% | 4.32% | 4.30% | 4.55% | 4.11% | -498 bps | |
| Net Worth / Assets | 9.94% | 9.77% | 9.00% | 9.09% | 4.32% | 4.30% | 4.55% | 4.11% | -498 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.99% | 83.73% | 90.86% | 81.81% | 75.32% | 68.34% | 68.98% | 60.34% | -2,147 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Roanoke, VA · Charter 22560 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 1 branch
Q1 2025
Return on Assets
-1.49%
Rank 1,621 of 1,678
Net Interest Margin
4.98%
Rank 151 of 1,677
Efficiency Ratio
129.17%
Rank 1,628 of 1,675
Equity / Assets
4.11%
Rank 1,672 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.49% | 0.24% | 0.67% | 1.21% | Beats 3% | 1,621 / 1,678 | ||
| Return on Equity | -36.36% | 1.96% | 5.37% | 8.99% | Beats 1% | 1,657 / 1,675 | ||
| Net Interest Margin | 4.98% | 3.12% | 3.67% | 4.25% | Beats 91% | 151 / 1,677 | ||
| Efficiency Ratio | 129.17% | 68.92% | 78.89% | 88.44% | Beats 3% | 1,628 / 1,675 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 17.24% | 0.21% | 0.58% | 1.19% | Beats 0% | 1,672 / 1,676 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 4.11% | 10.02% | 12.33% | 15.89% | Beats 0% | 1,673 / 1,678 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 4.11% | 10.02% | 12.33% | 15.89% | Beats 0% | 1,672 / 1,677 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.34% | 54.28% | 70.33% | 83.29% | 33rd pctl | 1,120 / 1,677 | ||
| Loans / Assets | 57.78% | 46.21% | 59.98% | 70.96% | 45th pctl | 915 / 1,677 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||