Suffolk, VA · Charter 5970
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 Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
13
Profitability
34
Liquidity
94
Efficiency
13
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.
Suffolk, VA · Charter 5970
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 | 1.56% | 1.47% | 0.54% | 0.93% | 0.83% | 0.20% | -4.13% | -0.50% | -142 bps | |
| Return on Equity | 5.87% | 5.37% | 1.99% | 3.32% | 3.05% | 0.73% | -15.65% | -1.84% | -516 bps | |
| Net Interest Margin | 6.29% | 6.39% | 5.79% | 5.83% | 5.51% | 5.57% | 4.81% | 5.01% | -82 bps | |
| Efficiency Ratio | 68.38% | 72.15% | 69.13% | 73.79% | 79.78% | 87.87% | 101.97% | 97.46% | +2,366 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.18% | -3.52% | -0.83% | -2.33% | 0.76% | 1.90% | 2.12% | 2.53% | +485 bps | |
| Loan Growth (YoY) | 5.12% | -4.28% | -1.93% | -5.47% | -8.50% | -10.50% | -10.83% | -7.21% | -174 bps | |
| Share Growth (YoY) | -3.31% | -6.13% | -3.77% | -5.26% | -0.72% | 1.53% | 2.43% | 3.33% | +859 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.20% | 9.74% | 10.82% | 8.28% | 10.34% | 5.88% | 11.35% | 8.12% | -16 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 | 26.67% | 27.27% | 27.03% | 27.94% | 27.35% | 27.20% | 26.39% | 26.95% | -99 bps | |
| Net Worth / Assets | 26.67% | 27.27% | 27.03% | 27.94% | 27.35% | 27.20% | 26.39% | 26.95% | -99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.60% | 60.49% | 58.53% | 57.65% | 55.85% | 53.32% | 50.96% | 51.77% | -588 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Suffolk, VA · Charter 5970 · Peer group: credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.50%
Rank 14 of 15
Net Interest Margin
5.01%
Rank 2 of 15
Efficiency Ratio
97.37%
Rank 14 of 15
Equity / Assets
26.95%
Rank 1 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.50% | 0.25% | 0.55% | 1.21% | Beats 7% | 14 / 15 | ||
| Return on Equity | -1.86% | 1.15% | 4.72% | 7.96% | Beats 7% | 14 / 15 | ||
| Net Interest Margin | 5.01% | 3.58% | 4.16% | 4.82% | Beats 87% | 2 / 15 | ||
| Efficiency Ratio | 97.37% | 63.64% | 83.86% | 92.62% | Beats 13% | 14 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 8.12% | 0.43% | 0.61% | 1.64% | Beats 13% | 14 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.95% | 10.27% | 13.30% | 16.02% | Beats 93% | 1 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.95% | 10.27% | 13.30% | 16.02% | Beats 93% | 1 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.77% | 41.09% | 53.09% | 77.25% | 40th pctl | 9 / 15 | ||
| Loans / Assets | 37.60% | 35.73% | 46.13% | 63.30% | 27th pctl | 11 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||