VIRGINIA
Charter #24962 · Richmond, VA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 494,625 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.43% sits at the 21st percentile of structural peers — worth a closer look.
- Efficiency ratio of 78.18% sits at the 89th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 52nd — a 26-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 | VIRGINIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.36B | 89th pct | 75th pct |
| Members | 494,625 | 93th pct | 80th pct |
| Net worth ratio | 11.34% | 62th pct | 67th pct |
| Return on average assets | 0.43% | 24th pct | 21th pct |
| Net interest margin | 3.82% | 80th pct | 72th pct |
| Cost of funds | 1.96% | 60th pct | 54th pct |
| Loan-to-share | 83.08% | 40th pct | 39th pct |
| Delinquency 60+ days | 0.90% | 73th pct | 67th pct |
| Net charge-off ratio | 0.88% | 78th pct | 52th pct |
| Loan growth YoY | 1.03% | 40th pct | 34th pct |
| Share growth YoY | 3.33% | 35th pct | 33th pct |
| Efficiency ratio | 78.18% | 71th pct | 89th pct |
structural peer set hash: 3f008744dc5beffbe5abd4fe7cc184d6… (reproducible)
Closest structural peers
This is the free public view
Claim 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.