Alexandria, VA · Charter 435
NCUA · 7 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
36
Profitability
16
Liquidity
3
Efficiency
58
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.
Alexandria, VA · Charter 435
NCUA · 7 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 | 0.38% | 0.34% | 0.24% | 0.24% | 0.24% | 0.30% | 0.48% | 0.49% | +25 bps | |
| Return on Equity | 3.56% | 3.21% | 2.31% | 2.28% | 2.26% | 2.81% | 4.54% | 4.57% | +229 bps | |
| Net Interest Margin | 2.09% | 2.10% | 2.20% | 2.23% | 2.28% | 2.27% | 2.44% | 2.46% | +22 bps | |
| Efficiency Ratio | 75.37% | 74.86% | 75.12% | 71.97% | 72.95% | 72.24% | 70.60% | 69.68% | -229 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.69% | 3.72% | 5.65% | 2.89% | 0.00% | 1.15% | -0.37% | 0.39% | -250 bps | |
| Loan Growth (YoY) | 5.86% | 5.84% | 4.21% | 0.19% | -3.34% | 2.23% | 3.79% | 9.50% | +931 bps | |
| Share Growth (YoY) | 5.97% | 6.40% | 6.77% | 3.23% | 2.02% | 1.32% | 1.12% | 2.28% | -95 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.00% | 1.14% | 1.02% | 1.07% | 0.98% | 1.00% | 0.90% | 0.86% | -22 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 | 10.53% | 10.46% | 10.35% | 10.49% | 10.67% | 10.54% | 10.65% | 10.78% | +29 bps | |
| Net Worth / Assets | 10.53% | 10.46% | 10.35% | 10.49% | 10.67% | 10.54% | 10.65% | 10.78% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.74% | 63.18% | 61.54% | 61.22% | 60.39% | 63.75% | 63.16% | 65.55% | +432 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alexandria, VA · Charter 435 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
Return on Assets
0.49%
Rank 346 of 435
Net Interest Margin
2.46%
Rank 406 of 435
Efficiency Ratio
69.68%
Rank 185 of 435
Equity / Assets
10.78%
Rank 229 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.49% | 0.55% | 0.81% | 1.14% | Beats 20% | 346 / 435 | ||
| Return on Equity | 4.57% | 5.12% | 7.41% | 9.70% | Beats 21% | 345 / 435 | ||
| Net Interest Margin | 2.46% | 3.01% | 3.39% | 3.75% | Beats 7% | 406 / 435 | ||
| Efficiency Ratio | 69.68% | 65.25% | 71.39% | 77.86% | Beats 58% | 185 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.86% | 0.45% | 0.69% | 1.05% | Beats 36% | 280 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.78% | 9.81% | 10.84% | 12.63% | Beats 47% | 229 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.78% | 9.81% | 10.84% | 12.63% | Beats 47% | 229 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.55% | 78.33% | 88.38% | 95.61% | 10th pctl | 390 / 435 | ||
| Loans / Assets | 53.87% | 67.69% | 74.58% | 80.80% | 9th pctl | 395 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||