CENTRAL VIRGINIA
Charter #22307 · LYNCHBURG, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.34% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.51% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.36% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.22% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 73.16% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
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 | CENTRAL VIRGINIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $201.14M | 51th pct | 38th pct |
| Members | 12,991 | 49th pct | 31th pct |
| Net worth ratio | 12.41% | 63th pct | 67th pct |
| Return on average assets | 1.34% | 84th pct | 89th pct |
| Net interest margin | 4.51% | 90th pct | 95th pct |
| Cost of funds | 0.36% | 15th pct | 21th pct |
| Loan-to-share | 67.58% | 41th pct | 41th pct |
| Delinquency 60+ days | 1.22% | 84th pct | 80th pct |
| Net charge-off ratio | 0.31% | 45th pct | 48th pct |
| Loan growth YoY | -1.06% | 35th pct | 31th pct |
| Share growth YoY | 4.13% | 60th pct | 52th pct |
| Efficiency ratio | 73.16% | 31th pct | 20th pct |
structural peer set hash: 8040e8000886c65aa37f4646fb15b07d… (reproducible)
Closest structural peers
This is the free public view
Claim CENTRAL VIRGINIA
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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.