Virginia State University
South Chesterfi, VA · Charter 3029 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)
NCUA · 2 branches
Q2 2026
$13.0MAssets
$7.9MLoans
$11.7MShares
$1.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets in the Richmond, VA area (rank 1 of 16).
- Widest gap: equity / assets trails 94% of credit unions under $1B in assets in the Richmond, VA area (rank 15 of 16).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.63%
Rank 11 of 16
Net Interest Margin
5.92%
Rank 1 of 16
Efficiency Ratio
80.72%
Rank 12 of 16
Equity / Assets
9.16%
Rank 15 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.63% | 0.51% | 0.86% | 1.14% | Beats 31% | 11 / 16 | |
| Return on Equity | 6.89% | 2.74% | 6.89% | 10.47% | Beats 50% | 8 / 16 | |
| Net Interest Margin | 5.92% | 3.59% | 3.78% | 5.26% | Beats 94% | 1 / 16 | |
| Efficiency Ratio | 80.72% | 72.78% | 78.57% | 80.89% | Beats 31% | 12 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.93% | 0.60% | 1.42% | 1.93% | Beats 25% | 13 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.16% | 10.18% | 10.87% | 18.48% | Beats 6% | 15 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.16% | 10.18% | 10.87% | 18.48% | Beats 6% | 15 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 67.42% | 55.40% | 64.78% | 71.88% | 56th pctl | 7 / 16 | |
| Loans / Assets | 60.66% | 48.81% | 51.73% | 64.39% | 69th pctl | 5 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |