VIRGINIA UNITED METHODIST
Charter #62536 · North Chesterfi, VA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.08% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 4.79% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.59% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.51% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 96.50% sits at the 80th percentile of structural peers — worth a closer look.
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 UNITED METHODIST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.59M | 26th pct | 8th pct |
| Members | 2,785 | 70th pct | 36th pct |
| Net worth ratio | 9.19% | 12th pct | 36th pct |
| Return on average assets | 0.08% | 21th pct | 25th pct |
| Net interest margin | 4.79% | 87th pct | 75th pct |
| Cost of funds | 0.83% | 49th pct | 39th pct |
| Loan-to-share | 89.57% | 94th pct | 79th pct |
| Delinquency 60+ days | 4.59% | 97th pct | 97th pct |
| Net charge-off ratio | 1.51% | 92th pct | 87th pct |
| Loan growth YoY | -2.56% | 49th pct | 30th pct |
| Share growth YoY | 2.55% | 51th pct | 46th pct |
| Efficiency ratio | 96.50% | 85th pct | 80th pct |
structural peer set hash: 73e05a31c2cad2d3d64b7fe1e3ca6ccd… (reproducible)
Closest structural peers
This is the free public view
Claim VIRGINIA UNITED METHODIST
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.