University of VA Community CU
Charlottesville, VA · Charter 62504 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
$1.6BAssets
$1.0BLoans
$1.4BShares
$167.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 63% of credit unions $1B-$10B in assets (rank 160 of 435).
- Widest gap: efficiency ratio trails 66% of credit unions $1B-$10B in assets (rank 290 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.77%
Rank 236 of 435
Net Interest Margin
3.40%
Rank 216 of 435
Efficiency Ratio
75.48%
Rank 290 of 435
Equity / Assets
10.34%
Rank 275 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.55% | 0.81% | 1.14% | Beats 46% | 236 / 435 | |
| Return on Equity | 7.41% | 5.12% | 7.41% | 9.70% | Beats 50% | 218 / 435 | |
| Net Interest Margin | 3.40% | 3.01% | 3.39% | 3.75% | Beats 50% | 216 / 435 | |
| Efficiency Ratio | 75.48% | 65.25% | 71.39% | 77.86% | Beats 34% | 290 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.45% | 0.69% | 1.05% | Beats 63% | 160 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.34% | 9.81% | 10.84% | 12.63% | Beats 37% | 275 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.34% | 9.81% | 10.84% | 12.63% | Beats 37% | 275 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 72.51% | 78.33% | 88.38% | 95.61% | 17th pctl | 363 / 435 | |
| Loans / Assets | 63.64% | 67.69% | 74.58% | 80.80% | 17th pctl | 359 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |