Nova
Charlotte, NC · Charter 63425 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$120.7MAssets
$76.3MLoans
$99.5MShares
$21.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 79% of credit unions under $1B in assets (rank 351 of 1683).
- Widest gap: efficiency ratio trails 86% of credit unions under $1B in assets (rank 1453 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.36%
Rank 1,256 of 1,683
Net Interest Margin
3.91%
Rank 754 of 1,683
Efficiency Ratio
92.83%
Rank 1,453 of 1,682
Equity / Assets
17.65%
Rank 351 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.36% | 0.35% | 0.74% | 1.18% | Beats 25% | 1,256 / 1,683 | | |
| Return on Equity | 2.02% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,344 / 1,681 | | |
| Net Interest Margin | 3.91% | 3.31% | 3.82% | 4.32% | Beats 55% | 754 / 1,683 | | |
| Efficiency Ratio | 92.83% | 68.91% | 78.20% | 86.93% | Beats 14% | 1,453 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.26% | 0.65% | 1.29% | Beats 55% | 754 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.65% | 10.44% | 12.89% | 16.53% | Beats 79% | 351 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.65% | 10.44% | 12.89% | 16.53% | Beats 79% | 351 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.67% | 52.61% | 69.38% | 83.50% | 63rd pctl | 622 / 1,683 | | |
| Loans / Assets | 63.18% | 44.71% | 59.18% | 70.72% | 59th pctl | 695 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |