Christiansted, VI · Charter 23811
NCUA · 2 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
21
Asset Quality
66
Profitability
33
Liquidity
0
Efficiency
22
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.
Christiansted, VI · Charter 23811
NCUA · 2 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 | 1.12% | 1.34% | 1.93% | 1.78% | 1.91% | 1.65% | -0.45% | -0.08% | -186 bps | |
| Return on Equity | 12.52% | 14.57% | 21.26% | 18.78% | 19.13% | 16.10% | -4.46% | -0.76% | -1,954 bps | |
| Net Interest Margin | 4.35% | 4.38% | 4.80% | 4.79% | 4.81% | 4.95% | 4.77% | 4.49% | -30 bps | |
| Efficiency Ratio | 72.77% | 68.90% | 54.08% | 60.85% | 62.34% | 68.30% | 83.32% | 87.95% | +2,710 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.47% | -2.02% | 7.01% | 7.07% | 7.56% | 7.11% | -0.49% | -2.30% | -937 bps | |
| Loan Growth (YoY) | -9.23% | -11.42% | -9.52% | -2.15% | 8.25% | 18.52% | 22.41% | 10.47% | +1,262 bps | |
| Share Growth (YoY) | -4.61% | -3.52% | 5.52% | 5.57% | 5.76% | 5.30% | -1.85% | -5.06% | -1,063 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.41% | 0.53% | 1.60% | 1.19% | 1.37% | 0.38% | 0.19% | 0.41% | -78 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 | 8.97% | 9.22% | 9.10% | 9.47% | 9.96% | 10.22% | 10.06% | 10.05% | +58 bps | |
| Net Worth / Assets | 8.97% | 9.22% | 9.10% | 9.47% | 9.96% | 10.22% | 10.06% | 10.05% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.83% | 27.87% | 25.69% | 27.45% | 29.51% | 31.37% | 32.04% | 31.94% | +449 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Christiansted, VI · Charter 23811 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.08%
Rank 1,508 of 1,683
Net Interest Margin
4.48%
Rank 337 of 1,683
Efficiency Ratio
88.08%
Rank 1,307 of 1,682
Equity / Assets
10.05%
Rank 1,334 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.08% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,508 / 1,683 | ||
| Return on Equity | -0.78% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,513 / 1,681 | ||
| Net Interest Margin | 4.48% | 3.31% | 3.82% | 4.32% | Beats 80% | 337 / 1,683 | ||
| Efficiency Ratio | 88.08% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,307 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.40% | 0.26% | 0.65% | 1.29% | Beats 66% | 570 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.05% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,334 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.05% | 10.44% | 12.89% | 16.53% | Beats 21% | 1,334 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 31.94% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,584 / 1,683 | ||
| Loans / Assets | 27.87% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,575 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||