Richmond, VA · Charter 66899
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 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.
Capital
69
Asset Quality
81
Profitability
69
Liquidity
95
Efficiency
62
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.
Richmond, VA · Charter 66899
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.25% | 1.44% | 1.41% | 1.25% | 1.36% | +10 bps | |
| Return on Equity | 8.98% | 10.13% | 9.85% | 8.75% | 8.79% | -19 bps | |
| Net Interest Margin | 4.61% | 4.64% | 4.70% | 4.68% | 4.94% | +33 bps | |
| Efficiency Ratio | 76.42% | 73.36% | 74.25% | 76.85% | 76.03% | -39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.01% | 3.24% | 6.61% | 5.46% | -1.16% | -717 bps | |
| Loan Growth (YoY) | 11.14% | 7.86% | 8.22% | 6.00% | 1.91% | -924 bps | |
| Share Growth (YoY) | 5.22% | 2.11% | 5.85% | 4.09% | -3.50% | -872 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 0.66% | 0.59% | 0.47% | 0.55% | -19 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.95% | 14.25% | 14.30% | 14.31% | 15.43% | +148 bps | |
| Net Worth / Assets | 13.95% | 14.25% | 14.30% | 14.31% | 15.43% | +148 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.21% | 58.69% | 57.94% | 56.53% | 62.53% | +332 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Richmond, VA · Charter 66899 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)
NCUA · 2 branches
Q2 2026
Return on Assets
1.36%
Rank 3 of 16
Net Interest Margin
4.94%
Rank 5 of 16
Efficiency Ratio
76.04%
Rank 7 of 16
Equity / Assets
15.43%
Rank 5 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 0.51% | 0.86% | 1.14% | Beats 81% | 3 / 16 | |
| Return on Equity | 8.81% | 2.74% | 6.89% | 10.47% | Beats 56% | 7 / 16 | |
| Net Interest Margin | 4.94% | 3.59% | 3.78% | 5.26% | Beats 69% | 5 / 16 | |
| Efficiency Ratio | 76.04% | 72.78% | 78.57% | 80.89% | Beats 62% | 7 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.60% | 1.42% | 1.93% | Beats 81% | 4 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.43% | 10.18% | 10.87% | 18.48% | Beats 69% | 5 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.43% | 10.18% | 10.87% | 18.48% | Beats 69% | 5 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.53% | 55.40% | 64.78% | 71.88% | 44th pctl | 9 / 16 | |
| Loans / Assets | 52.04% | 48.81% | 51.73% | 64.39% | 56th pctl | 7 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||