Hampton, VA · Charter 66913
NCUA · 1 branch
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
13
Asset Quality
40
Profitability
40
Liquidity
42
Efficiency
47
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.
Hampton, VA · Charter 66913
NCUA · 1 branch
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 | 0.52% | 0.92% | 0.92% | 0.44% | 0.39% | -13 bps | |
| Return on Equity | 6.52% | 10.94% | 10.99% | 5.25% | 4.62% | -189 bps | |
| Net Interest Margin | 3.93% | 3.98% | 3.95% | 4.12% | 4.16% | +24 bps | |
| Efficiency Ratio | 84.23% | 74.72% | 76.15% | 87.97% | 84.63% | +39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.43% | 4.83% | 5.46% | 3.71% | 5.56% | +214 bps | |
| Loan Growth (YoY) | 2.62% | -0.75% | -1.55% | -1.16% | -4.12% | -674 bps | |
| Share Growth (YoY) | 2.62% | 3.33% | 3.49% | 2.20% | 3.93% | +131 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.69% | 1.17% | 1.10% | 1.00% | +48 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 | 8.01% | 8.37% | 8.42% | 8.40% | 8.42% | +40 bps | |
| Net Worth / Assets | 8.01% | 8.37% | 8.42% | 8.40% | 8.42% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.27% | 44.43% | 43.43% | 41.09% | 39.92% | -335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hampton, VA · Charter 66913 · Peer group: credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15)
NCUA · 1 branch
Q2 2026
Return on Assets
0.39%
Rank 10 of 15
Net Interest Margin
4.16%
Rank 8 of 15
Efficiency Ratio
84.59%
Rank 9 of 15
Equity / Assets
8.42%
Rank 13 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.25% | 0.55% | 1.21% | Beats 33% | 10 / 15 | |
| Return on Equity | 4.61% | 1.15% | 4.72% | 7.96% | Beats 40% | 9 / 15 | |
| Net Interest Margin | 4.16% | 3.58% | 4.16% | 4.82% | Beats 47% | 8 / 15 | |
| Efficiency Ratio | 84.59% | 63.64% | 83.86% | 92.62% | Beats 47% | 9 / 15 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.00% | 0.43% | 0.61% | 1.64% | Beats 40% | 10 / 15 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.42% | 10.27% | 13.30% | 16.02% | Beats 13% | 13 / 15 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.42% | 10.27% | 13.30% | 16.02% | Beats 13% | 13 / 15 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 39.92% | 41.09% | 53.09% | 77.25% | 13th pctl | 13 / 15 | |
| Loans / Assets | 35.73% | 35.73% | 46.13% | 63.30% | 20th pctl | 12 / 15 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||