HALIFAX COUNTY COMMUNITY
Charter #23760 · SOUTH BOSTON, VA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 6.54% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of -1.55% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 2.39% sits at the 18th percentile of structural peers — worth a closer look.
- Efficiency ratio of 161.81% sits at the 98th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 25th — a 57-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 | HALIFAX COUNTY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.20M | 81th pct | 25th pct |
| Members | 1,611 | 95th pct | 39th pct |
| Net worth ratio | 6.54% | 3th pct | 2th pct |
| Return on average assets | -1.55% | 13th pct | 5th pct |
| Net interest margin | 2.39% | 11th pct | 18th pct |
| Cost of funds | 1.31% | 74th pct | 70th pct |
| Loan-to-share | 25.16% | 14th pct | 25th pct |
| Delinquency 60+ days | 0.89% | 52th pct | 57th pct |
| Net charge-off ratio | -0.00% | 22th pct | 33th pct |
| Loan growth YoY | 84.48% | 99th pct | 98th pct |
| Share growth YoY | 4.89% | 80th pct | 74th pct |
| Efficiency ratio | 161.81% | 94th pct | 98th pct |
structural peer set hash: 2fcc9ee0330d3deff6e978942f3ae510… (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.