1st Advantage
Newport News, VA · Charter 7448 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
$1.1BAssets
$786.3MLoans
$895.7MShares
$181.2MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 97% of credit unions $1B-$10B in assets (rank 11 of 435).
- Widest gap: nonperforming loans / loans trails 25% of credit unions $1B-$10B in assets (rank 108 of 435).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 |