Portsmouth, VA · Charter 66956
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
76
Asset Quality
71
Profitability
51
Liquidity
33
Efficiency
18
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.
Portsmouth, VA · Charter 66956
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 | 2.53% | 1.86% | 1.44% | 0.54% | 0.55% | -198 bps | |
| Return on Equity | 15.51% | 11.25% | 8.72% | 3.32% | 3.26% | -1,225 bps | |
| Net Interest Margin | 5.30% | 5.25% | 5.12% | 4.62% | 4.74% | -56 bps | |
| Efficiency Ratio | 57.06% | 68.17% | 74.78% | 89.67% | 89.71% | +3,265 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.47% | -1.71% | 1.61% | 0.60% | -0.48% | 0 bps | |
| Loan Growth (YoY) | -15.15% | -15.07% | -15.29% | -16.36% | -15.32% | -17 bps | |
| Share Growth (YoY) | -1.63% | -3.10% | -0.79% | -0.86% | -1.60% | +4 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.45% | 0.27% | 0.35% | 0.32% | -10 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 | 16.28% | 16.54% | 16.52% | 16.35% | 16.80% | +53 bps | |
| Net Worth / Assets | 16.28% | 16.54% | 16.52% | 16.35% | 16.80% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.81% | 55.64% | 53.12% | 49.51% | 48.88% | -792 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Portsmouth, VA · Charter 66956 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.55%
Rank 1,075 of 1,683
Net Interest Margin
4.74%
Rank 234 of 1,683
Efficiency Ratio
89.70%
Rank 1,373 of 1,682
Equity / Assets
16.80%
Rank 401 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,075 / 1,683 | |
| Return on Equity | 3.26% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,178 / 1,681 | |
| Net Interest Margin | 4.74% | 3.31% | 3.82% | 4.32% | Beats 86% | 234 / 1,683 | |
| Efficiency Ratio | 89.70% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,373 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.32% | 0.26% | 0.65% | 1.29% | Beats 71% | 492 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.80% | 10.44% | 12.89% | 16.53% | Beats 76% | 401 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.80% | 10.44% | 12.89% | 16.53% | Beats 76% | 401 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.88% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,340 / 1,683 | |
| Loans / Assets | 42.28% | 44.71% | 59.18% | 70.72% | 22nd pctl | 1,315 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||