PackageTrendsPeer
Letter portraitLegal landscape

Rva Financial

Richmond, VA · Charter 6878

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Richmond, VA area3

Basis

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.

Peer group

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.

Peer standing

Capital

56

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

27

Q2 2024Q2 2026peer median

Efficiency

50

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Rva Financial

Richmond, VA · Charter 6878

NCUA · 2 branches

Q2 2026

$82.7MAssets
$54.0MLoans
$73.1MShares
$10.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.27%, up 129 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 1.42% of loans (-109 bps YoY).
  • Capital: net worth / assets of 12.18%, up 4 bps from a year ago.
  • Funding: loans stand at 73.90% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.27%+129 bps YoY

Net Interest Margin (YTD, annualized)

3.69%-54 bps YoY

Efficiency Ratio (YTD, annualized)

78.58%-1,121 bps YoY

Net Worth / Assets

12.18%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%1.62%0.77%1.61%2.27%+129 bps
Return on Equity8.12%13.00%6.41%13.85%18.66%+1,054 bps
Net Interest Margin4.23%4.10%4.12%3.62%3.69%-54 bps
Efficiency Ratio89.79%86.62%93.24%85.90%78.58%-1,121 bps
Growth
Asset Growth (YoY)-6.22%-0.05%1.66%7.23%10.25%+1,648 bps
Loan Growth (YoY)-1.81%0.20%3.01%3.85%3.98%+580 bps
Share Growth (YoY)-2.79%-0.20%2.18%9.72%13.14%+1,592 bps
Asset Quality
Delinquent Loans / Loans2.51%1.05%1.41%1.43%1.42%-109 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.14%12.50%12.07%11.60%12.18%+4 bps
Net Worth / Assets12.14%12.50%12.07%11.60%12.18%+4 bps
Liquidity & Funding
Loans / Shares80.41%80.12%81.34%74.39%73.90%-651 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Rva Financial

Richmond, VA · Charter 6878 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)

NCUA · 2 branches

Q2 2026

$82.7MAssets
$54.0MLoans
$73.1MShares
$10.1MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 94% of credit unions under $1B in assets in the Richmond, VA area (rank 1 of 16).
  • Widest gap: net interest margin trails 62% of credit unions under $1B in assets in the Richmond, VA area (rank 10 of 16).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

2.27%

Rank 2 of 16

Net Interest Margin

3.69%

Rank 10 of 16

Efficiency Ratio

78.57%

Rank 9 of 16

Equity / Assets

12.18%

Rank 7 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.27%0.51%0.86%1.14%Beats 88%2 / 16
Return on Equity18.66%2.74%6.89%10.47%Beats 94%1 / 16
Net Interest Margin3.69%3.59%3.78%5.26%Beats 38%10 / 16
Efficiency Ratio78.57%72.78%78.57%80.89%Beats 50%9 / 16
Asset Quality
Nonperforming Loans / Loans1.42%0.60%1.42%1.93%Beats 50%9 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.18%10.18%10.87%18.48%Beats 56%7 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.18%10.18%10.87%18.48%Beats 56%7 / 16
Liquidity & Funding
Loans / Deposits73.90%55.40%64.78%71.88%81st pctl3 / 16
Loans / Assets65.28%48.81%51.73%64.39%81st pctl3 / 16
Brokered Deposits / Depositsn/aNot reported for this institution