Newport News, VA · Charter 7448
NCUA · 13 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
75
Profitability
93
Liquidity
97
Efficiency
81
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 7448
NCUA · 13 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 | 1.84% | 1.88% | 1.78% | 1.74% | 1.84% | 1.90% | 1.68% | 1.81% | +7 bps | |
| Return on Equity | 12.58% | 12.49% | 11.68% | 11.19% | 11.60% | 11.75% | 10.33% | 10.86% | -33 bps | |
| Net Interest Margin | 4.42% | 4.43% | 4.43% | 4.54% | 4.54% | 4.54% | 4.46% | 4.51% | -3 bps | |
| Efficiency Ratio | 62.03% | 61.33% | 65.46% | 62.92% | 61.84% | 60.80% | 63.65% | 62.58% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.13% | 2.87% | 1.99% | 3.61% | 4.82% | 5.33% | 5.15% | 5.39% | +177 bps | |
| Loan Growth (YoY) | 1.60% | 2.78% | 5.04% | 6.45% | 10.02% | 5.90% | 2.20% | 2.47% | -398 bps | |
| Share Growth (YoY) | 2.16% | 1.48% | 0.15% | 1.96% | 2.78% | 3.44% | 3.64% | 3.89% | +193 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.57% | 0.62% | 0.52% | 0.59% | 0.67% | 0.44% | 0.45% | -6 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 | 14.65% | 15.03% | 15.21% | 15.54% | 15.82% | 16.14% | 16.31% | 16.66% | +112 bps | |
| Net Worth / Assets | 14.65% | 15.03% | 15.21% | 15.54% | 15.82% | 16.14% | 16.31% | 16.66% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.81% | 86.38% | 87.22% | 89.01% | 90.78% | 88.44% | 86.01% | 87.79% | -122 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 7448 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
Return on Assets
1.81%
Rank 11 of 435
Net Interest Margin
4.51%
Rank 15 of 435
Efficiency Ratio
62.58%
Rank 83 of 435
Equity / Assets
16.66%
Rank 20 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.81% | 0.55% | 0.81% | 1.14% | Beats 97% | 11 / 435 | ||
| Return on Equity | 10.86% | 5.12% | 7.41% | 9.70% | Beats 84% | 71 / 435 | ||
| Net Interest Margin | 4.51% | 3.01% | 3.39% | 3.75% | Beats 97% | 15 / 435 | ||
| Efficiency Ratio | 62.58% | 65.25% | 71.39% | 77.86% | Beats 81% | 83 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.45% | 0.45% | 0.69% | 1.05% | Beats 75% | 108 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.66% | 9.81% | 10.84% | 12.63% | Beats 95% | 20 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.66% | 9.81% | 10.84% | 12.63% | Beats 95% | 20 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.79% | 78.33% | 88.38% | 95.61% | 48th pctl | 226 / 435 | ||
| Loans / Assets | 72.26% | 67.69% | 74.58% | 80.80% | 40th pctl | 263 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||