Christiansted, VI · Charter 7989
NCUA · 1 branch
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 Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60 to 61). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
84
Asset Quality
77
Profitability
84
Liquidity
55
Efficiency
87
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.
Christiansted, VI · Charter 7989
NCUA · 1 branch
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 | 1.50% | 1.63% | 1.25% | 1.63% | 1.64% | 1.63% | 2.00% | 1.96% | +33 bps | |
| Return on Equity | 7.93% | 8.41% | 6.60% | 8.37% | 8.36% | 8.18% | 9.83% | 9.48% | +112 bps | |
| Net Interest Margin | 3.53% | 3.65% | 3.35% | 3.65% | 3.70% | 3.74% | 4.22% | 4.10% | +45 bps | |
| Efficiency Ratio | 59.92% | 56.43% | 57.33% | 52.73% | 52.90% | 52.84% | 52.37% | 53.32% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.16% | 2.83% | 5.76% | 4.71% | 5.57% | 5.80% | 2.39% | 3.23% | -148 bps | |
| Loan Growth (YoY) | 17.26% | 18.46% | 15.69% | 11.33% | 14.40% | 13.47% | 10.07% | 7.78% | -355 bps | |
| Share Growth (YoY) | 1.89% | 1.25% | 4.99% | 3.69% | 4.66% | 5.14% | 0.67% | 1.75% | -194 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.02% | 0.16% | 0.21% | 0.49% | 0.04% | 0.02% | 0.23% | +2 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 | 18.96% | 19.41% | 18.98% | 19.49% | 19.63% | 19.94% | 20.31% | 20.63% | +115 bps | |
| Net Worth / Assets | 18.96% | 19.41% | 18.98% | 19.49% | 19.63% | 19.94% | 20.31% | 20.63% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.36% | 41.98% | 41.77% | 42.75% | 44.11% | 45.31% | 45.67% | 45.28% | +254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Christiansted, VI · Charter 7989 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)
NCUA · 1 branch
Q2 2026
Return on Assets
1.96%
Rank 4 of 61
Net Interest Margin
4.09%
Rank 15 of 61
Efficiency Ratio
53.42%
Rank 9 of 60
Equity / Assets
20.63%
Rank 10 of 61
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.96% | -0.02% | 0.37% | 0.88% | Beats 93% | 4 / 61 | ||
| Return on Equity | 9.49% | -0.25% | 2.65% | 5.53% | Beats 84% | 10 / 61 | ||
| Net Interest Margin | 4.09% | 3.07% | 3.57% | 4.09% | Beats 75% | 15 / 61 | ||
| Efficiency Ratio | 53.42% | 71.78% | 87.58% | 95.00% | Beats 87% | 9 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.44% | 1.06% | 1.85% | Beats 77% | 15 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.63% | 9.78% | 12.37% | 17.30% | Beats 84% | 10 / 61 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.63% | 9.78% | 12.37% | 17.30% | Beats 84% | 10 / 61 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 45.29% | 37.27% | 62.33% | 76.91% | 30th pctl | 43 / 61 | ||
| Loans / Assets | 35.83% | 30.13% | 54.75% | 64.37% | 30th pctl | 43 / 61 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||