Buckingham, VA · Charter 23974
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 (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
98
Asset Quality
20
Profitability
35
Liquidity
37
Efficiency
44
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.
Buckingham, VA · Charter 23974
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 | 0.49% | 0.46% | 0.41% | 0.44% | 0.55% | +6 bps | |
| Return on Equity | 1.78% | 1.65% | 1.49% | 1.57% | 1.70% | -9 bps | |
| Net Interest Margin | 3.12% | 3.19% | 3.16% | 3.22% | 3.85% | +73 bps | |
| Efficiency Ratio | 84.40% | 83.86% | 84.23% | 81.06% | 80.59% | -381 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.44% | -0.96% | 1.77% | 1.00% | -13.46% | -1,201 bps | |
| Loan Growth (YoY) | -8.93% | -9.04% | -9.45% | -13.14% | -9.56% | -63 bps | |
| Share Growth (YoY) | -2.31% | 1.56% | 1.83% | 0.65% | -19.30% | -1,699 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 1.65% | 2.50% | 1.90% | 1.54% | +98 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.55% | 0.64% | 0.76% | 0.87% | +23 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.58% | 27.96% | 27.86% | 27.99% | 32.34% | +476 bps | |
| Net Worth / Assets | 27.58% | 27.96% | 27.86% | 27.99% | 32.34% | +476 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.69% | 75.02% | 72.88% | 70.48% | 83.71% | +901 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Buckingham, VA · Charter 23974 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.56%
Rank 1,059 of 1,683
Net Interest Margin
3.82%
Rank 843 of 1,683
Efficiency Ratio
80.26%
Rank 949 of 1,682
Equity / Assets
32.34%
Rank 40 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.35% | 0.74% | 1.18% | Beats 37% | 1,059 / 1,683 | |
| Return on Equity | 1.73% | 2.67% | 5.89% | 8.74% | Beats 19% | 1,368 / 1,681 | |
| Net Interest Margin | 3.82% | 3.31% | 3.82% | 4.32% | Beats 50% | 843 / 1,683 | |
| Efficiency Ratio | 80.26% | 68.91% | 78.20% | 86.93% | Beats 44% | 949 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.54% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,340 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 32.34% | 10.44% | 12.89% | 16.53% | Beats 98% | 40 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 32.34% | 10.44% | 12.89% | 16.53% | Beats 98% | 40 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.71% | 52.61% | 69.38% | 83.50% | 75th pctl | 414 / 1,683 | |
| Loans / Assets | 56.17% | 44.71% | 59.18% | 70.72% | 43rd pctl | 951 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||