Falls Church, VA · Charter 24564
NCUA · 6 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 in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
73
Profitability
36
Liquidity
73
Efficiency
53
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.
Falls Church, VA · Charter 24564
NCUA · 6 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 | 0.59% | 0.57% | 0.42% | 0.43% | 0.36% | 0.41% | 0.40% | 0.54% | +11 bps | |
| Return on Equity | 5.43% | 5.19% | 3.93% | 3.98% | 3.30% | 3.68% | 3.61% | 4.72% | +74 bps | |
| Net Interest Margin | 3.51% | 3.54% | 3.34% | 3.38% | 3.47% | 3.51% | 3.52% | 3.58% | +20 bps | |
| Efficiency Ratio | 81.89% | 82.07% | 83.39% | 83.48% | 84.92% | 84.50% | 83.81% | 83.86% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.32% | 2.95% | 1.55% | 1.71% | 1.08% | 2.98% | -0.29% | -1.72% | -343 bps | |
| Loan Growth (YoY) | 4.73% | 2.79% | -0.25% | 0.38% | -1.72% | -0.96% | 1.21% | 2.12% | +174 bps | |
| Share Growth (YoY) | 1.72% | 3.02% | 1.68% | 1.81% | 0.48% | 2.02% | -1.12% | -2.49% | -431 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.86% | 0.67% | 0.57% | 0.58% | 0.55% | 0.43% | 0.49% | -8 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 | 10.80% | 10.97% | 10.71% | 10.82% | 11.02% | 11.00% | 11.12% | 11.42% | +59 bps | |
| Net Worth / Assets | 10.80% | 10.97% | 10.71% | 10.82% | 11.02% | 11.00% | 11.12% | 11.42% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.74% | 61.45% | 58.44% | 58.85% | 59.41% | 59.65% | 59.82% | 61.63% | +278 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Falls Church, VA · Charter 24564 · Peer group: credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15)
NCUA · 6 branches
Q2 2026
Return on Assets
0.54%
Rank 9 of 15
Net Interest Margin
3.58%
Rank 12 of 15
Efficiency Ratio
83.86%
Rank 8 of 15
Equity / Assets
11.42%
Rank 10 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.54% | 0.25% | 0.55% | 1.21% | Beats 40% | 9 / 15 | ||
| Return on Equity | 4.72% | 1.15% | 4.72% | 7.96% | Beats 47% | 8 / 15 | ||
| Net Interest Margin | 3.58% | 3.58% | 4.16% | 4.82% | Beats 20% | 12 / 15 | ||
| Efficiency Ratio | 83.86% | 63.64% | 83.86% | 92.62% | Beats 53% | 8 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.43% | 0.61% | 1.64% | Beats 73% | 5 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.42% | 10.27% | 13.30% | 16.02% | Beats 33% | 10 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.42% | 10.27% | 13.30% | 16.02% | Beats 33% | 10 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.63% | 41.09% | 53.09% | 77.25% | 67th pctl | 5 / 15 | ||
| Loans / Assets | 54.88% | 35.73% | 46.13% | 63.30% | 67th pctl | 5 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||