Frederiksted, VI · Charter 8069
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
78
Asset Quality
25
Profitability
94
Liquidity
0
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.
Frederiksted, VI · Charter 8069
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 | 1.92% | 2.15% | 5.95% | 4.53% | 3.90% | 3.52% | 1.98% | 2.06% | -247 bps | |
| Return on Equity | 14.61% | 15.52% | 40.98% | 30.10% | 24.60% | 21.20% | 11.82% | 11.79% | -1,831 bps | |
| Net Interest Margin | 4.84% | 5.08% | 5.37% | 5.41% | 5.58% | 5.75% | 5.36% | 5.33% | -8 bps | |
| Efficiency Ratio | 62.74% | 60.81% | 36.54% | 40.92% | 46.48% | 49.87% | 67.00% | 65.91% | +2,500 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.14% | 0.88% | 6.45% | 15.45% | 6.89% | 5.51% | 1.32% | -1.73% | -1,718 bps | |
| Loan Growth (YoY) | 3.55% | 5.42% | 0.89% | 0.88% | -4.00% | -9.91% | -11.47% | -11.18% | -1,206 bps | |
| Share Growth (YoY) | -1.90% | -1.55% | 3.51% | 6.00% | 3.15% | 2.27% | -2.62% | -4.79% | -1,079 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.92% | 1.48% | 0.90% | 1.79% | 2.55% | 2.31% | 2.37% | 1.26% | -53 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 | 13.15% | 13.84% | 14.52% | 15.05% | 15.86% | 16.58% | 16.77% | 17.49% | +244 bps | |
| Net Worth / Assets | 13.15% | 13.84% | 14.52% | 15.05% | 15.86% | 16.58% | 16.77% | 17.49% | +244 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.81% | 39.32% | 35.82% | 35.48% | 35.19% | 34.64% | 32.56% | 33.10% | -238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Frederiksted, VI · Charter 8069 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.06%
Rank 71 of 1,683
Net Interest Margin
5.33%
Rank 92 of 1,683
Efficiency Ratio
65.93%
Rank 325 of 1,682
Equity / Assets
17.49%
Rank 362 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.06% | 0.35% | 0.74% | 1.18% | Beats 96% | 71 / 1,683 | ||
| Return on Equity | 11.78% | 2.67% | 5.89% | 8.74% | Beats 91% | 154 / 1,681 | ||
| Net Interest Margin | 5.33% | 3.31% | 3.82% | 4.32% | Beats 95% | 92 / 1,683 | ||
| Efficiency Ratio | 65.93% | 68.91% | 78.20% | 86.93% | Beats 81% | 325 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.27% | 0.26% | 0.65% | 1.29% | Beats 25% | 1,255 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.49% | 10.44% | 12.89% | 16.53% | Beats 78% | 362 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.49% | 10.44% | 12.89% | 16.53% | Beats 78% | 362 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 33.10% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,575 / 1,683 | ||
| Loans / Assets | 27.24% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,580 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||