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Virginia United Methodist

North Chesterfi, VA · Charter 62536

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Richmond, VA area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Richmond, VA area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

25

Q2 2024Q2 2026peer median (50)

Asset Quality

6

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

6

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Virginia United Methodist

North Chesterfi, VA · Charter 62536

NCUA · 1 branch

Q2 2026

$15.0MAssets
$13.1MLoans
$13.5MShares
$1.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.10%, up 2 bps year over year; NIM at 5.27%.
  • Asset quality: problem loans at 5.95% of loans (+209 bps YoY).
  • Capital: net worth / assets of 10.18%, up 127 bps from a year ago.
  • Funding: loans stand at 97.61% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.10%+2 bps YoY

Net Interest Margin (YTD, annualized)

5.27%+76 bps YoY

Efficiency Ratio (YTD, annualized)

95.02%+147 bps YoY

Net Worth / Assets

10.18%+127 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.09%0.09%0.08%0.10%+2 bps
Return on Equity0.96%0.98%0.94%0.84%0.99%+3 bps
Net Interest Margin4.52%4.76%5.00%4.67%5.27%+76 bps
Efficiency Ratio93.55%94.23%92.37%96.50%95.02%+147 bps
Growth
Asset Growth (YoY)-3.04%-4.81%-10.63%-10.66%-11.66%-862 bps
Loan Growth (YoY)13.73%9.18%5.52%1.41%-7.14%-2,088 bps
Share Growth (YoY)-3.42%-5.40%-11.21%-11.83%-13.07%-965 bps
Asset Quality
Delinquent Loans / Loans3.87%4.63%4.17%4.59%5.95%+209 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.91%9.39%9.68%9.19%10.18%+127 bps
Net Worth / Assets8.91%9.39%9.68%9.19%10.18%+127 bps
Liquidity & Funding
Loans / Shares91.38%94.27%95.86%89.57%97.61%+623 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Virginia United Methodist

North Chesterfi, VA · Charter 62536 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)

NCUA · 1 branch

Q2 2026

$15.0MAssets
$13.1MLoans
$13.5MShares
$1.5MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 75% of credit unions under $1B in assets in the Richmond, VA area (rank 4 of 16).
  • Widest gap: nonperforming loans / loans trails 94% of credit unions under $1B in assets in the Richmond, VA area (rank 16 of 16).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.11%

Rank 14 of 16

Net Interest Margin

5.26%

Rank 4 of 16

Efficiency Ratio

95.32%

Rank 16 of 16

Equity / Assets

10.18%

Rank 12 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.11%0.51%0.86%1.14%Beats 13%14 / 16
Return on Equity1.05%2.74%6.89%10.47%Beats 13%14 / 16
Net Interest Margin5.26%3.59%3.78%5.26%Beats 75%4 / 16
Efficiency Ratio95.32%72.78%78.57%80.89%Beats 6%16 / 16
Asset Quality
Nonperforming Loans / Loans5.95%0.60%1.42%1.93%Beats 6%16 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.18%10.18%10.87%18.48%Beats 25%12 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.18%10.18%10.87%18.48%Beats 25%12 / 16
Liquidity & Funding
Loans / Deposits97.61%55.40%64.78%71.88%94th pctl1 / 16
Loans / Assets87.47%48.81%51.73%64.39%94th pctl1 / 16
Brokered Deposits / Depositsn/aNot reported for this institution