Roanoke, VA · Charter 68629
NCUA · 7 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
50
Asset Quality
86
Profitability
76
Liquidity
6
Efficiency
75
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.
Roanoke, VA · Charter 68629
NCUA · 7 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 | 1.17% | 1.21% | 0.79% | 0.99% | 1.22% | 1.30% | 1.40% | 1.48% | +49 bps | |
| Return on Equity | 9.27% | 9.44% | 6.36% | 7.73% | 9.35% | 9.91% | 10.64% | 11.51% | +378 bps | |
| Net Interest Margin | 4.00% | 3.97% | 3.83% | 3.96% | 3.96% | 3.90% | 3.96% | 3.89% | -7 bps | |
| Efficiency Ratio | 75.06% | 74.44% | 81.06% | 78.76% | 75.91% | 73.87% | 69.38% | 68.69% | -1,007 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.92% | 10.62% | 9.05% | 6.32% | 7.18% | 8.32% | 6.69% | 12.94% | +661 bps | |
| Loan Growth (YoY) | 9.24% | 7.43% | 6.23% | 6.14% | 6.37% | 9.13% | 11.57% | 12.09% | +595 bps | |
| Share Growth (YoY) | 10.00% | 10.11% | 8.25% | 5.31% | 5.62% | 7.32% | 5.80% | 12.50% | +718 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.07% | 0.01% | 0.06% | 0.05% | 0.11% | 0.03% | 0.11% | +5 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 | 12.66% | 12.77% | 12.50% | 12.86% | 13.02% | 13.07% | 13.13% | 12.87% | +1 bps | |
| Net Worth / Assets | 12.66% | 12.77% | 12.50% | 12.86% | 13.02% | 13.07% | 13.13% | 12.87% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.48% | 91.06% | 88.39% | 91.05% | 92.12% | 92.59% | 93.21% | 90.72% | -33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Roanoke, VA · Charter 68629 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
1.48%
Rank 254 of 1,683
Net Interest Margin
3.89%
Rank 771 of 1,683
Efficiency Ratio
68.70%
Rank 414 of 1,682
Equity / Assets
12.87%
Rank 847 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.48% | 0.35% | 0.74% | 1.18% | Beats 85% | 254 / 1,683 | ||
| Return on Equity | 11.52% | 2.67% | 5.89% | 8.74% | Beats 90% | 166 / 1,681 | ||
| Net Interest Margin | 3.89% | 3.31% | 3.82% | 4.32% | Beats 54% | 771 / 1,683 | ||
| Efficiency Ratio | 68.70% | 68.91% | 78.20% | 86.93% | Beats 75% | 414 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.26% | 0.65% | 1.29% | Beats 86% | 240 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.87% | 10.44% | 12.89% | 16.53% | Beats 50% | 847 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.87% | 10.44% | 12.89% | 16.53% | Beats 50% | 847 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.72% | 52.61% | 69.38% | 83.50% | 87th pctl | 215 / 1,683 | ||
| Loans / Assets | 78.53% | 44.71% | 59.18% | 70.72% | 89th pctl | 181 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||