VA BEACH POSTAL
Charter #15536 · Virginia Beach, VA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,043 sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.92% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.05% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 75th — a 21-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 | VA BEACH POSTAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.38M | 1th pct | 10th pct |
| Members | 1,043 | 6th pct | 10th pct |
| Net worth ratio | 12.45% | 40th pct | 46th pct |
| Return on average assets | 0.84% | 60th pct | 69th pct |
| Net interest margin | 4.48% | 78th pct | 70th pct |
| Cost of funds | 0.92% | 54th pct | 75th pct |
| Loan-to-share | 50.18% | 37th pct | 52th pct |
| Delinquency 60+ days | 0.71% | 56th pct | 52th pct |
| Net charge-off ratio | -0.05% | 13th pct | 11th pct |
| Loan growth YoY | -6.31% | 22th pct | 26th pct |
| Share growth YoY | -1.40% | 16th pct | 18th pct |
| Efficiency ratio | 85.06% | 62th pct | 41th pct |
structural peer set hash: 5579e20594755154c8388809db9aa1c6… (reproducible)
Closest structural peers
This is the free public view
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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.