Roanoke Valley Community
Roanoke, VA · Charter 5604 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$107.4MAssets
$77.2MLoans
$89.5MShares
$17.5MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 85% of credit unions under $1B in assets (rank 259 of 1683).
- Widest gap: nonperforming loans / loans trails 30% of credit unions under $1B in assets (rank 502 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.47%
Rank 259 of 1,683
Net Interest Margin
4.28%
Rank 441 of 1,683
Efficiency Ratio
70.59%
Rank 483 of 1,682
Equity / Assets
16.31%
Rank 438 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.35% | 0.74% | 1.18% | Beats 85% | 259 / 1,683 | | |
| Return on Equity | 9.02% | 2.67% | 5.89% | 8.74% | Beats 77% | 389 / 1,681 | | |
| Net Interest Margin | 4.28% | 3.31% | 3.82% | 4.32% | Beats 74% | 441 / 1,683 | | |
| Efficiency Ratio | 70.59% | 68.91% | 78.20% | 86.93% | Beats 71% | 483 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.26% | 0.65% | 1.29% | Beats 70% | 502 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.31% | 10.44% | 12.89% | 16.53% | Beats 74% | 438 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.31% | 10.44% | 12.89% | 16.53% | Beats 74% | 438 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.26% | 52.61% | 69.38% | 83.50% | 80th pctl | 338 / 1,683 | | |
| Loans / Assets | 71.89% | 44.71% | 59.18% | 70.72% | 77th pctl | 384 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |