Virginia
Richmond, VA · Charter 24962 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 43 branches
Q2 2026
$7.4BAssets
$5.3BLoans
$6.4BShares
$793.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 77% of credit unions $1B-$10B in assets (rank 98 of 435).
- Widest gap: return on assets trails 86% of credit unions $1B-$10B in assets (rank 372 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.38%
Rank 372 of 435
Net Interest Margin
3.78%
Rank 98 of 435
Efficiency Ratio
79.31%
Rank 355 of 435
Equity / Assets
10.75%
Rank 233 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.38% | 0.55% | 0.81% | 1.14% | Beats 14% | 372 / 435 | | |
| Return on Equity | 3.49% | 5.12% | 7.41% | 9.70% | Beats 15% | 371 / 435 | | |
| Net Interest Margin | 3.78% | 3.01% | 3.39% | 3.75% | Beats 77% | 98 / 435 | | |
| Efficiency Ratio | 79.31% | 65.25% | 71.39% | 77.86% | Beats 19% | 355 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.05% | 0.45% | 0.69% | 1.05% | Beats 25% | 327 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.75% | 9.81% | 10.84% | 12.63% | Beats 46% | 233 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.75% | 9.81% | 10.84% | 12.63% | Beats 46% | 233 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.48% | 78.33% | 88.38% | 95.61% | 37th pctl | 276 / 435 | | |
| Loans / Assets | 72.54% | 67.69% | 74.58% | 80.80% | 41st pctl | 258 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |