Harrisonburg, VA · Charter 24281
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
6
Asset Quality
12
Profitability
42
Liquidity
51
Efficiency
8
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.
Harrisonburg, VA · Charter 24281
NCUA · 1 branch
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 | 0.03% | 0.07% | -0.48% | -0.24% | -0.29% | -0.32% | -0.33% | 0.02% | +26 bps | |
| Return on Equity | 0.31% | 0.71% | -5.48% | -2.62% | -3.21% | -3.58% | -4.13% | 0.23% | +285 bps | |
| Net Interest Margin | 7.33% | 7.96% | 7.16% | 7.43% | 7.23% | 7.19% | 6.52% | 6.74% | -69 bps | |
| Efficiency Ratio | 97.93% | 97.30% | 104.06% | 101.47% | 102.34% | 102.84% | 103.74% | 99.79% | -168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.83% | -13.67% | -18.29% | -18.79% | -13.87% | -6.46% | -0.22% | 1.47% | +2,026 bps | |
| Loan Growth (YoY) | -6.36% | -6.53% | -8.00% | -10.83% | -14.59% | -14.11% | -11.28% | -4.62% | +620 bps | |
| Share Growth (YoY) | -9.46% | -13.46% | -18.36% | -20.08% | -14.57% | -6.74% | 0.06% | 1.95% | +2,203 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.10% | 1.56% | 1.30% | 1.28% | 1.53% | 2.05% | 1.86% | 2.21% | +93 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 | 8.40% | 9.29% | 8.74% | 9.22% | 9.07% | 9.07% | 8.03% | 8.42% | -80 bps | |
| Net Worth / Assets | 8.40% | 9.29% | 8.74% | 9.22% | 9.07% | 9.07% | 8.03% | 8.42% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.37% | 90.47% | 85.72% | 86.16% | 81.35% | 83.32% | 76.01% | 80.60% | -556 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Harrisonburg, VA · Charter 24281 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.02%
Rank 1,471 of 1,683
Net Interest Margin
6.76%
Rank 15 of 1,683
Efficiency Ratio
99.51%
Rank 1,552 of 1,682
Equity / Assets
8.42%
Rank 1,583 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.02% | 0.35% | 0.74% | 1.18% | Beats 13% | 1,471 / 1,683 | ||
| Return on Equity | 0.27% | 2.67% | 5.89% | 8.74% | Beats 13% | 1,468 / 1,681 | ||
| Net Interest Margin | 6.76% | 3.31% | 3.82% | 4.32% | Beats 99% | 15 / 1,683 | ||
| Efficiency Ratio | 99.51% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,552 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.20% | 0.26% | 0.65% | 1.29% | Beats 12% | 1,475 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.42% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,583 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.42% | 10.44% | 12.89% | 16.53% | Beats 6% | 1,583 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.61% | 52.61% | 69.38% | 83.50% | 70th pctl | 499 / 1,683 | ||
| Loans / Assets | 74.06% | 44.71% | 59.18% | 70.72% | 82nd pctl | 309 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||