Connects
Richmond, VA · Charter 6670 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)
NCUA · 3 branches
Q2 2026
$98.1MAssets
$74.6MLoans
$91.4MShares
$5.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 88% of credit unions under $1B in assets in the Richmond, VA area (rank 2 of 16).
- Widest gap: equity / assets trails 100% 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
-1.70%
Rank 16 of 16
Net Interest Margin
5.44%
Rank 2 of 16
Efficiency Ratio
80.89%
Rank 13 of 16
Equity / Assets
5.36%
Rank 16 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.70% | 0.51% | 0.86% | 1.14% | Beats 0% | 16 / 16 | | |
| Return on Equity | -31.80% | 2.74% | 6.89% | 10.47% | Beats 0% | 16 / 16 | | |
| Net Interest Margin | 5.44% | 3.59% | 3.78% | 5.26% | Beats 88% | 2 / 16 | | |
| Efficiency Ratio | 80.89% | 72.78% | 78.57% | 80.89% | Beats 25% | 13 / 16 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.85% | 0.60% | 1.42% | 1.93% | Beats 31% | 12 / 16 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 5.36% | 10.18% | 10.87% | 18.48% | Beats 0% | 16 / 16 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 5.36% | 10.18% | 10.87% | 18.48% | Beats 0% | 16 / 16 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.64% | 55.40% | 64.78% | 71.88% | 88th pctl | 2 / 16 | | |
| Loans / Assets | 76.07% | 48.81% | 51.73% | 64.39% | 88th pctl | 2 / 16 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |