Covington, VA · Charter 66967
NCUA · 2 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
72
Asset Quality
23
Profitability
87
Liquidity
31
Efficiency
95
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.
Covington, VA · Charter 66967
NCUA · 2 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 | 1.76% | 1.78% | 1.73% | 2.08% | 2.08% | 2.03% | 2.30% | 2.42% | +34 bps | |
| Return on Equity | 12.18% | 12.27% | 12.13% | 13.93% | 13.50% | 13.24% | 15.01% | 15.20% | +127 bps | |
| Net Interest Margin | 3.78% | 3.81% | 3.76% | 4.05% | 4.10% | 4.02% | 3.97% | 4.12% | +7 bps | |
| Efficiency Ratio | 54.34% | 53.77% | 55.21% | 53.59% | 54.40% | 53.28% | 53.33% | 51.92% | -166 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.16% | 7.98% | 7.98% | 6.84% | 6.98% | 8.60% | 7.09% | 8.11% | +126 bps | |
| Loan Growth (YoY) | -0.03% | -0.03% | 2.78% | 4.16% | 6.50% | 6.99% | 3.92% | -0.02% | -418 bps | |
| Share Growth (YoY) | 3.69% | 6.35% | 6.21% | 4.84% | 5.09% | 6.86% | 5.52% | 6.75% | +191 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.06% | 2.61% | 1.74% | 1.76% | 1.94% | 2.47% | 1.60% | 1.41% | -35 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 | 14.41% | 14.54% | 14.26% | 14.93% | 15.38% | 15.31% | 15.34% | 15.90% | +97 bps | |
| Net Worth / Assets | 14.41% | 14.54% | 14.26% | 14.93% | 15.38% | 15.31% | 15.34% | 15.90% | +97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.30% | 50.49% | 49.37% | 51.39% | 52.00% | 50.56% | 48.62% | 48.13% | -326 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Covington, VA · Charter 66967 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
2.42%
Rank 37 of 1,683
Net Interest Margin
4.12%
Rank 585 of 1,683
Efficiency Ratio
51.94%
Rank 79 of 1,682
Equity / Assets
15.90%
Rank 463 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.42% | 0.35% | 0.74% | 1.18% | Beats 98% | 37 / 1,683 | ||
| Return on Equity | 15.19% | 2.67% | 5.89% | 8.74% | Beats 97% | 44 / 1,681 | ||
| Net Interest Margin | 4.12% | 3.31% | 3.82% | 4.32% | Beats 65% | 585 / 1,683 | ||
| Efficiency Ratio | 51.94% | 68.91% | 78.20% | 86.93% | Beats 95% | 79 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.41% | 0.26% | 0.65% | 1.29% | Beats 23% | 1,298 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.90% | 10.44% | 12.89% | 16.53% | Beats 72% | 463 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.90% | 10.44% | 12.89% | 16.53% | Beats 72% | 463 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.13% | 52.61% | 69.38% | 83.50% | 20th pctl | 1,353 / 1,683 | ||
| Loans / Assets | 40.46% | 44.71% | 59.18% | 70.72% | 20th pctl | 1,352 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||