BEACH MUNICIPAL
Charter #20394 · Virginia Beach, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.58% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.99% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.13% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 62.19% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 72nd — a 25-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 | BEACH MUNICIPAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $194.65M | 50th pct | 56th pct |
| Members | 9,031 | 25th pct | 31th pct |
| Net worth ratio | 13.73% | 76th pct | 70th pct |
| Return on average assets | 1.58% | 91th pct | 90th pct |
| Net interest margin | 3.56% | 44th pct | 43th pct |
| Cost of funds | 1.17% | 47th pct | 72th pct |
| Loan-to-share | 56.20% | 20th pct | 44th pct |
| Delinquency 60+ days | 0.99% | 76th pct | 79th pct |
| Net charge-off ratio | 0.13% | 22th pct | 11th pct |
| Loan growth YoY | 0.02% | 48th pct | 57th pct |
| Share growth YoY | 5.79% | 78th pct | 84th pct |
| Efficiency ratio | 62.19% | 11th pct | 8th pct |
structural peer set hash: 3755499e0fa712a3095ff36c32de8290… (reproducible)
Closest structural peers
This is the free public view
Claim BEACH MUNICIPAL
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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.