Waynesboro, VA · Charter 62474
NCUA · 15 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
51
Asset Quality
87
Profitability
54
Liquidity
0
Efficiency
41
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.
Waynesboro, VA · Charter 62474
NCUA · 15 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 | 0.27% | 0.48% | 0.79% | 0.69% | 0.90% | 0.99% | 0.87% | 1.01% | +32 bps | |
| Return on Equity | 2.57% | 4.44% | 7.48% | 6.51% | 8.32% | 9.05% | 8.04% | 9.26% | +275 bps | |
| Net Interest Margin | 2.89% | 2.91% | 2.91% | 3.04% | 3.06% | 3.07% | 3.01% | 2.97% | -7 bps | |
| Efficiency Ratio | 89.80% | 84.68% | 77.58% | 79.55% | 76.06% | 74.69% | 76.17% | 73.92% | -563 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.26% | 4.04% | 5.03% | 6.66% | 8.02% | 7.41% | 7.33% | 8.27% | +162 bps | |
| Loan Growth (YoY) | 0.31% | -0.23% | -0.14% | 0.27% | 1.68% | 2.27% | 1.29% | 3.96% | +368 bps | |
| Share Growth (YoY) | 0.25% | 3.15% | 3.76% | 5.51% | 7.30% | 6.25% | 6.59% | 7.47% | +196 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.32% | 0.31% | 0.37% | 0.32% | 0.35% | 0.31% | 0.33% | -3 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 | 10.68% | 10.71% | 10.54% | 10.63% | 10.78% | 10.92% | 10.77% | 10.91% | +28 bps | |
| Net Worth / Assets | 10.68% | 10.71% | 10.54% | 10.63% | 10.78% | 10.92% | 10.77% | 10.91% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.07% | 68.72% | 66.19% | 66.62% | 66.39% | 66.14% | 62.90% | 64.44% | -218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waynesboro, VA · Charter 62474 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
Return on Assets
1.01%
Rank 140 of 435
Net Interest Margin
2.97%
Rank 338 of 435
Efficiency Ratio
73.92%
Rank 257 of 435
Equity / Assets
10.91%
Rank 211 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.01% | 0.55% | 0.81% | 1.14% | Beats 68% | 140 / 435 | ||
| Return on Equity | 9.26% | 5.12% | 7.41% | 9.70% | Beats 71% | 126 / 435 | ||
| Net Interest Margin | 2.97% | 3.01% | 3.39% | 3.75% | Beats 22% | 338 / 435 | ||
| Efficiency Ratio | 73.92% | 65.25% | 71.39% | 77.86% | Beats 41% | 257 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.33% | 0.45% | 0.69% | 1.05% | Beats 87% | 57 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.91% | 9.81% | 10.84% | 12.63% | Beats 51% | 211 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.91% | 9.81% | 10.84% | 12.63% | Beats 51% | 211 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.44% | 78.33% | 88.38% | 95.61% | 10th pctl | 392 / 435 | ||
| Loans / Assets | 57.04% | 67.69% | 74.58% | 80.80% | 11th pctl | 385 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||