Richmond, VA · Charter 66929
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 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
75
Asset Quality
69
Profitability
54
Liquidity
0
Efficiency
56
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 66929
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 | -0.03% | 0.11% | -1.77% | -0.21% | 1.13% | +117 bps | |
| Return on Equity | -0.17% | 0.56% | -10.18% | -1.16% | 6.14% | +631 bps | |
| Net Interest Margin | 3.67% | 3.72% | 3.77% | 3.63% | 3.78% | +11 bps | |
| Efficiency Ratio | 96.33% | 93.90% | 129.26% | 86.41% | 77.37% | -1,896 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.80% | 4.25% | 1.57% | -4.11% | -4.70% | -950 bps | |
| Loan Growth (YoY) | -18.30% | -18.08% | -17.90% | -15.83% | -15.87% | +243 bps | |
| Share Growth (YoY) | 2.11% | 3.84% | 3.79% | -2.89% | -3.92% | -603 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.08% | 0.38% | 0.48% | 0.71% | 0.69% | -39 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 | 18.86% | 19.00% | 17.35% | 17.91% | 18.48% | -38 bps | |
| Net Worth / Assets | 18.86% | 19.00% | 17.35% | 17.91% | 18.48% | -38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.53% | 36.32% | 34.52% | 33.30% | 31.98% | -454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Richmond, VA · Charter 66929 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)
NCUA · 1 branch
Q2 2026
Return on Assets
1.13%
Rank 5 of 16
Net Interest Margin
3.78%
Rank 8 of 16
Efficiency Ratio
77.34%
Rank 8 of 16
Equity / Assets
18.48%
Rank 4 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.13% | 0.51% | 0.86% | 1.14% | Beats 69% | 5 / 16 | |
| Return on Equity | 6.13% | 2.74% | 6.89% | 10.47% | Beats 44% | 9 / 16 | |
| Net Interest Margin | 3.78% | 3.59% | 3.78% | 5.26% | Beats 50% | 8 / 16 | |
| Efficiency Ratio | 77.34% | 72.78% | 78.57% | 80.89% | Beats 56% | 8 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.69% | 0.60% | 1.42% | 1.93% | Beats 69% | 6 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.48% | 10.18% | 10.87% | 18.48% | Beats 75% | 4 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.48% | 10.18% | 10.87% | 18.48% | Beats 75% | 4 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 31.98% | 55.40% | 64.78% | 71.88% | 0th pctl | 16 / 16 | |
| Loans / Assets | 26.59% | 48.81% | 51.73% | 64.39% | 6th pctl | 15 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||