Fishersville, VA · Charter 66933
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
53
Profitability
57
Liquidity
33
Efficiency
87
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.
Fishersville, VA · Charter 66933
NCUA · 1 branch
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 | 2.03% | 2.09% | 1.83% | 1.76% | 1.78% | 1.72% | 1.58% | 1.46% | -30 bps | |
| Return on Equity | 10.56% | 10.59% | 9.33% | 9.19% | 8.88% | 8.13% | 7.48% | 6.90% | -229 bps | |
| Net Interest Margin | 3.81% | 3.79% | 3.49% | 3.38% | 3.56% | 3.68% | 3.48% | 3.38% | -1 bps | |
| Efficiency Ratio | 54.59% | 53.42% | 55.82% | 55.91% | 57.07% | 60.26% | 61.16% | 61.89% | +598 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.61% | 0.13% | 0.56% | 9.41% | 5.43% | 1.32% | 0.17% | -2.39% | -1,179 bps | |
| Loan Growth (YoY) | -3.24% | -1.83% | 3.39% | -4.28% | -0.52% | 4.12% | 2.12% | 9.20% | +1,348 bps | |
| Share Growth (YoY) | -3.21% | -2.27% | -1.63% | 9.25% | 4.40% | -0.53% | -1.82% | -4.74% | -1,399 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.32% | 0.17% | 0.11% | 0.06% | 0.13% | 0.04% | 0.61% | +50 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 | 19.19% | 19.70% | 19.56% | 19.15% | 20.08% | 21.16% | 21.16% | 21.10% | +195 bps | |
| Net Worth / Assets | 19.19% | 19.70% | 19.56% | 19.15% | 20.08% | 21.16% | 21.16% | 21.10% | +195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.34% | 47.33% | 46.91% | 42.55% | 45.11% | 49.54% | 48.79% | 48.78% | +623 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fishersville, VA · Charter 66933 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.45%
Rank 268 of 1,683
Net Interest Margin
3.38%
Rank 1,223 of 1,683
Efficiency Ratio
62.00%
Rank 221 of 1,682
Equity / Assets
21.10%
Rank 182 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | 0.35% | 0.74% | 1.18% | Beats 84% | 268 / 1,683 | ||
| Return on Equity | 6.88% | 2.67% | 5.89% | 8.74% | Beats 60% | 678 / 1,681 | ||
| Net Interest Margin | 3.38% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,223 / 1,683 | ||
| Efficiency Ratio | 62.00% | 68.91% | 78.20% | 86.93% | Beats 87% | 221 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.60% | 0.26% | 0.65% | 1.29% | Beats 53% | 796 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.10% | 10.44% | 12.89% | 16.53% | Beats 89% | 182 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.10% | 10.44% | 12.89% | 16.53% | Beats 89% | 182 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.78% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,342 / 1,683 | ||
| Loans / Assets | 38.49% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,404 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||