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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.11% | 0.51% | 0.86% | 1.14% | Beats 13% | 14 / 16 | | |
| Return on Equity | 1.05% | 2.74% | 6.89% | 10.47% | Beats 13% | 14 / 16 | | |
| Net Interest Margin | 5.26% | 3.59% | 3.78% | 5.26% | Beats 75% | 4 / 16 | | |
| Efficiency Ratio | 95.32% | 72.78% | 78.57% | 80.89% | Beats 6% | 16 / 16 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.95% | 0.60% | 1.42% | 1.93% | Beats 6% | 16 / 16 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.18% | 10.18% | 10.87% | 18.48% | Beats 25% | 12 / 16 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.18% | 10.18% | 10.87% | 18.48% | Beats 25% | 12 / 16 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.61% | 55.40% | 64.78% | 71.88% | 94th pctl | 1 / 16 | | |
| Loans / Assets | 87.47% | 48.81% | 51.73% | 64.39% | 94th pctl | 1 / 16 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |