Newport News, VA · Charter 66970
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 Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
27
Profitability
75
Liquidity
79
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.
Newport News, VA · Charter 66970
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 | 1.56% | 1.51% | 1.51% | 1.59% | 1.62% | 1.49% | 1.46% | 1.21% | -38 bps | |
| Return on Equity | 18.72% | 17.46% | 17.48% | 17.71% | 17.47% | 15.58% | 14.79% | 11.78% | -593 bps | |
| Net Interest Margin | 4.02% | 4.14% | 4.22% | 4.31% | 4.33% | 4.31% | 4.30% | 4.43% | +12 bps | |
| Efficiency Ratio | 64.05% | 65.16% | 64.52% | 62.46% | 61.34% | 64.36% | 64.19% | 62.22% | -24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.63% | 0.35% | 2.44% | 4.81% | 5.23% | 5.13% | 1.58% | -0.82% | -562 bps | |
| Loan Growth (YoY) | 5.84% | 2.53% | -1.87% | 0.83% | -0.31% | -3.97% | -6.71% | -10.06% | -1,088 bps | |
| Share Growth (YoY) | -3.10% | -2.26% | -0.26% | 2.15% | 3.20% | 2.72% | -0.23% | -2.38% | -453 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.91% | 2.35% | 1.19% | 1.88% | 1.61% | 1.72% | 1.77% | 1.64% | -25 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 | 8.31% | 8.63% | 8.66% | 9.00% | 9.29% | 9.59% | 9.89% | 10.27% | +127 bps | |
| Net Worth / Assets | 8.31% | 8.63% | 8.66% | 9.00% | 9.29% | 9.59% | 9.89% | 10.27% | +127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.09% | 53.44% | 51.74% | 52.40% | 50.32% | 49.96% | 48.38% | 48.28% | -412 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newport News, VA · Charter 66970 · Peer group: credit unions under $1B in assets in the Virginia Beach-Chesapeake-Norfolk, VA-NC area (n=15)
NCUA · 1 branch
Q2 2026
Return on Assets
1.21%
Rank 4 of 15
Net Interest Margin
4.43%
Rank 6 of 15
Efficiency Ratio
62.23%
Rank 3 of 15
Equity / Assets
10.27%
Rank 12 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.25% | 0.55% | 1.21% | Beats 73% | 4 / 15 | ||
| Return on Equity | 11.78% | 1.15% | 4.72% | 7.96% | Beats 93% | 1 / 15 | ||
| Net Interest Margin | 4.43% | 3.58% | 4.16% | 4.82% | Beats 60% | 6 / 15 | ||
| Efficiency Ratio | 62.23% | 63.64% | 83.86% | 92.62% | Beats 87% | 3 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.64% | 0.43% | 0.61% | 1.64% | Beats 27% | 12 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.27% | 10.27% | 13.30% | 16.02% | Beats 20% | 12 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.27% | 10.27% | 13.30% | 16.02% | Beats 20% | 12 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.28% | 41.09% | 53.09% | 77.25% | 27th pctl | 11 / 15 | ||
| Loans / Assets | 43.70% | 35.73% | 46.13% | 63.30% | 33rd pctl | 10 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||