Newport News, VA · Charter 66700
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
80
Profitability
58
Liquidity
0
Efficiency
100
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.
Newport News, VA · Charter 66700
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.33% | 3.37% | 2.43% | 2.65% | 2.69% | 2.67% | 1.85% | 1.92% | -72 bps | |
| Return on Equity | 16.55% | 15.84% | 11.44% | 11.87% | 11.70% | 11.36% | 7.86% | 7.96% | -391 bps | |
| Net Interest Margin | 4.99% | 4.99% | 4.03% | 4.25% | 4.22% | 4.17% | 3.36% | 3.49% | -75 bps | |
| Efficiency Ratio | 39.14% | 38.87% | 44.63% | 43.61% | 42.39% | 42.25% | 51.31% | 50.59% | +698 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.28% | -4.51% | -2.58% | -0.47% | -0.24% | 2.00% | 0.91% | 1.81% | +227 bps | |
| Loan Growth (YoY) | -6.35% | -5.61% | -6.32% | -0.50% | -7.56% | -5.75% | -7.32% | -7.77% | -727 bps | |
| Share Growth (YoY) | -7.96% | -9.28% | -6.73% | -4.25% | -4.06% | -1.36% | -2.22% | -1.09% | +316 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 0.86% | 0.29% | 0.44% | 0.55% | 0.53% | 0.87% | 0.43% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.12% | 21.28% | 21.22% | 22.28% | 22.99% | 23.52% | 23.49% | 24.16% | +189 bps | |
| Net Worth / Assets | 20.12% | 21.28% | 21.22% | 22.28% | 22.99% | 23.52% | 23.49% | 24.16% | +189 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.23% | 14.43% | 13.39% | 13.97% | 13.71% | 13.79% | 12.69% | 13.03% | -94 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newport News, VA · Charter 66700 · Peer group: credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15)
NCUA · 2 branches
Q2 2026
Return on Assets
1.92%
Rank 1 of 15
Net Interest Margin
3.49%
Rank 14 of 15
Efficiency Ratio
50.63%
Rank 1 of 15
Equity / Assets
24.16%
Rank 2 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.92% | 0.25% | 0.55% | 1.21% | Beats 93% | 1 / 15 | ||
| Return on Equity | 7.96% | 1.15% | 4.72% | 7.96% | Beats 73% | 4 / 15 | ||
| Net Interest Margin | 3.49% | 3.58% | 4.16% | 4.82% | Beats 7% | 14 / 15 | ||
| Efficiency Ratio | 50.63% | 63.64% | 83.86% | 92.62% | Beats 100% | 1 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.43% | 0.43% | 0.61% | 1.64% | Beats 80% | 4 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.16% | 10.27% | 13.30% | 16.02% | Beats 87% | 2 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.16% | 10.27% | 13.30% | 16.02% | Beats 87% | 2 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 13.03% | 41.09% | 53.09% | 77.25% | 0th pctl | 15 / 15 | ||
| Loans / Assets | 9.79% | 35.73% | 46.13% | 63.30% | 0th pctl | 15 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||