West Point, VA · Charter 68686
NCUA · 3 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 in the Richmond, VA area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
37
Profitability
52
Liquidity
74
Efficiency
37
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.
West Point, VA · Charter 68686
NCUA · 3 branches
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 | 0.40% | 0.54% | 0.61% | 0.61% | 0.86% | +45 bps | |
| Return on Equity | 4.35% | 5.70% | 6.44% | 6.52% | 8.92% | +457 bps | |
| Net Interest Margin | 3.39% | 3.48% | 3.51% | 3.57% | 3.74% | +35 bps | |
| Efficiency Ratio | 83.89% | 82.11% | 80.79% | 84.46% | 79.64% | -425 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.05% | 2.46% | 3.40% | 3.15% | 4.37% | +332 bps | |
| Loan Growth (YoY) | 4.02% | 4.34% | 3.88% | 3.34% | -2.27% | -628 bps | |
| Share Growth (YoY) | -1.27% | 0.74% | 1.79% | 1.92% | 3.37% | +464 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 1.23% | 1.30% | 1.52% | 1.74% | +74 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 | 9.30% | 9.46% | 9.43% | 9.32% | 9.62% | +32 bps | |
| Net Worth / Assets | 9.30% | 9.46% | 9.43% | 9.32% | 9.62% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.77% | 60.97% | 59.81% | 57.56% | 57.45% | -332 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
West Point, VA · Charter 68686 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)
NCUA · 3 branches
Q2 2026
Return on Assets
0.86%
Rank 8 of 16
Net Interest Margin
3.74%
Rank 9 of 16
Efficiency Ratio
79.64%
Rank 11 of 16
Equity / Assets
9.62%
Rank 13 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.51% | 0.86% | 1.14% | Beats 50% | 8 / 16 | |
| Return on Equity | 8.93% | 2.74% | 6.89% | 10.47% | Beats 63% | 6 / 16 | |
| Net Interest Margin | 3.74% | 3.59% | 3.78% | 5.26% | Beats 44% | 9 / 16 | |
| Efficiency Ratio | 79.64% | 72.78% | 78.57% | 80.89% | Beats 37% | 11 / 16 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.74% | 0.60% | 1.42% | 1.93% | Beats 37% | 11 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.62% | 10.18% | 10.87% | 18.48% | Beats 19% | 13 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.62% | 10.18% | 10.87% | 18.48% | Beats 19% | 13 / 16 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.45% | 55.40% | 64.78% | 71.88% | 31st pctl | 11 / 16 | |
| Loans / Assets | 51.73% | 48.81% | 51.73% | 64.39% | 50th pctl | 8 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||