CHARTWAY
Charter #13242 · Virginia Beach, VA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.12% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.19% sits at the 90th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 41st — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CHARTWAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.29B | 68th pct | 56th pct |
| Members | 260,806 | 80th pct | 69th pct |
| Net worth ratio | 8.12% | 4th pct | 5th pct |
| Return on average assets | 0.45% | 25th pct | 41th pct |
| Net interest margin | 3.67% | 72th pct | 66th pct |
| Cost of funds | 1.94% | 58th pct | 54th pct |
| Loan-to-share | 91.53% | 66th pct | 57th pct |
| Delinquency 60+ days | 1.19% | 86th pct | 90th pct |
| Net charge-off ratio | 0.80% | 75th pct | 69th pct |
| Loan growth YoY | -2.64% | 6th pct | 2th pct |
| Share growth YoY | 4.87% | 63th pct | 69th pct |
| Efficiency ratio | 72.08% | 48th pct | 43th pct |
structural peer set hash: e4dbc3577e6cd9ee598b876f39cd97ae… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.