Norfolk, VA · Charter 3746
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 in the Salt Lake City-Murray, UT area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
67
Asset Quality
61
Profitability
86
Liquidity
0
Efficiency
79
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.
Norfolk, VA · Charter 3746
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 | 1.70% | 1.81% | 1.81% | 2.17% | 2.05% | 2.02% | 1.34% | 1.55% | -63 bps | |
| Return on Equity | 9.67% | 9.96% | 10.06% | 11.52% | 10.74% | 10.53% | 6.78% | 7.70% | -382 bps | |
| Net Interest Margin | 4.40% | 4.63% | 4.27% | 4.75% | 4.53% | 4.60% | 4.13% | 4.39% | -36 bps | |
| Efficiency Ratio | 64.35% | 65.33% | 63.97% | 60.17% | 60.11% | 59.90% | 69.48% | 67.21% | +704 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.94% | -0.06% | 2.78% | 0.90% | 3.25% | 5.50% | 0.81% | 2.81% | +191 bps | |
| Loan Growth (YoY) | -3.31% | -4.91% | -3.67% | -1.44% | -2.83% | -8.39% | -13.73% | -17.36% | -1,592 bps | |
| Share Growth (YoY) | -0.31% | -2.02% | 1.36% | -1.26% | 1.31% | 3.96% | -1.42% | 1.21% | +247 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.73% | 0.67% | 0.52% | 0.48% | 0.49% | 0.47% | 0.41% | -11 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 | 17.57% | 18.14% | 18.01% | 18.88% | 19.06% | 19.22% | 19.80% | 20.12% | +124 bps | |
| Net Worth / Assets | 17.57% | 18.14% | 18.01% | 18.88% | 19.06% | 19.22% | 19.80% | 20.12% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.49% | 37.87% | 35.85% | 37.20% | 35.96% | 33.38% | 31.37% | 30.38% | -683 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Norfolk, VA · Charter 3746 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 1 branch
Q2 2026
Return on Assets
1.55%
Rank 3 of 24
Net Interest Margin
4.40%
Rank 3 of 24
Efficiency Ratio
67.08%
Rank 6 of 24
Equity / Assets
20.12%
Rank 8 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.55% | 0.41% | 0.67% | 1.12% | Beats 88% | 3 / 24 | ||
| Return on Equity | 7.70% | 2.16% | 5.02% | 6.69% | Beats 83% | 4 / 24 | ||
| Net Interest Margin | 4.40% | 3.10% | 3.61% | 4.01% | Beats 88% | 3 / 24 | ||
| Efficiency Ratio | 67.08% | 71.14% | 80.00% | 84.92% | Beats 79% | 6 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.42% | 0.07% | 0.54% | 1.38% | Beats 61% | 10 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.12% | 10.05% | 16.75% | 21.42% | Beats 67% | 8 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.12% | 10.05% | 16.75% | 21.42% | Beats 67% | 8 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 30.38% | 42.86% | 62.34% | 82.18% | 9th pctl | 21 / 23 | ||
| Loans / Assets | 24.19% | 32.11% | 55.16% | 70.89% | 13th pctl | 21 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||