ROANOKE VALLEY COMMUNITY
Charter #5604 · ROANOKE, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.01% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.58% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.34% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.50% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.25% ranks in the 15th 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 | ROANOKE VALLEY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $107.08M | 5th pct | 7th pct |
| Members | 9,109 | 25th pct | 28th pct |
| Net worth ratio | 16.01% | 89th pct | 87th pct |
| Return on average assets | 1.58% | 90th pct | 85th pct |
| Net interest margin | 4.34% | 86th pct | 82th pct |
| Cost of funds | 0.50% | 19th pct | 25th pct |
| Loan-to-share | 86.36% | 82th pct | 69th pct |
| Delinquency 60+ days | 0.25% | 18th pct | 15th pct |
| Net charge-off ratio | 0.11% | 20th pct | 11th pct |
| Loan growth YoY | 0.25% | 50th pct | 42th pct |
| Share growth YoY | 5.28% | 73th pct | 80th pct |
| Efficiency ratio | 69.07% | 23th pct | 20th pct |
structural peer set hash: eedf118ed12b2bdbca48b6e8c52f4390… (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.