Lynchburg, VA · Charter 66965
NCUA · 11 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 (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
32
Asset Quality
77
Profitability
71
Liquidity
0
Efficiency
61
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.
Lynchburg, VA · Charter 66965
NCUA · 11 branches
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 | 0.71% | 0.81% | 1.12% | 1.82% | 1.54% | 1.58% | 0.72% | 1.08% | -74 bps | |
| Return on Equity | 6.85% | 7.67% | 10.18% | 15.80% | 13.60% | 14.19% | 6.51% | 9.82% | -598 bps | |
| Net Interest Margin | 3.95% | 3.97% | 4.17% | 4.28% | 4.12% | 3.93% | 3.98% | 4.00% | -28 bps | |
| Efficiency Ratio | 76.15% | 75.18% | 78.38% | 71.05% | 72.70% | 70.55% | 79.40% | 74.73% | +367 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.95% | 9.38% | 4.55% | 2.67% | 5.50% | 11.13% | 14.94% | 18.03% | +1,536 bps | |
| Loan Growth (YoY) | 9.96% | 9.55% | 4.68% | 3.28% | 5.86% | 12.37% | 16.14% | 19.00% | +1,573 bps | |
| Share Growth (YoY) | 7.21% | 10.10% | 6.30% | 3.44% | 6.48% | 12.55% | 15.48% | 18.82% | +1,538 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.27% | 0.18% | 0.27% | 0.25% | 0.23% | 0.17% | 0.24% | -4 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 | 10.43% | 10.59% | 10.98% | 11.52% | 11.31% | 11.10% | 11.03% | 11.02% | -50 bps | |
| Net Worth / Assets | 10.43% | 10.59% | 10.98% | 11.52% | 11.31% | 11.10% | 11.03% | 11.02% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.46% | 98.52% | 98.23% | 99.64% | 98.88% | 98.36% | 98.79% | 99.80% | +15 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lynchburg, VA · Charter 66965 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
Return on Assets
1.08%
Rank 507 of 1,683
Net Interest Margin
4.00%
Rank 668 of 1,683
Efficiency Ratio
74.73%
Rank 664 of 1,682
Equity / Assets
11.02%
Rank 1,149 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.08% | 0.35% | 0.74% | 1.18% | Beats 70% | 507 / 1,683 | ||
| Return on Equity | 9.82% | 2.67% | 5.89% | 8.74% | Beats 82% | 301 / 1,681 | ||
| Net Interest Margin | 4.00% | 3.31% | 3.82% | 4.32% | Beats 60% | 668 / 1,683 | ||
| Efficiency Ratio | 74.73% | 68.91% | 78.20% | 86.93% | Beats 61% | 664 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 381 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.02% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,149 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.02% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,149 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 99.80% | 52.61% | 69.38% | 83.50% | 96th pctl | 59 / 1,683 | ||
| Loans / Assets | 87.15% | 44.71% | 59.18% | 70.72% | 99th pctl | 24 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||