VIRGINIA COOP
Charter #63965 · Virginia, MN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.23% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.48% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.13% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 71.48% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 28th percentile but its structural peers at the 44th — a 16-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 COOP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.70M | 91th pct | 77th pct |
| Members | 2,784 | 70th pct | 59th pct |
| Net worth ratio | 11.26% | 28th pct | 44th pct |
| Return on average assets | 1.23% | 77th pct | 87th pct |
| Net interest margin | 4.48% | 77th pct | 89th pct |
| Cost of funds | 0.13% | 9th pct | 11th pct |
| Loan-to-share | 57.82% | 51th pct | 52th pct |
| Delinquency 60+ days | 0.40% | 41th pct | 49th pct |
| Net charge-off ratio | 0.21% | 57th pct | 64th pct |
| Loan growth YoY | -2.38% | 51th pct | 41th pct |
| Share growth YoY | 2.75% | 53th pct | 52th pct |
| Efficiency ratio | 71.48% | 29th pct | 20th pct |
structural peer set hash: f50541a35abeed29c799d84ac47b2718… (reproducible)
Closest structural peers
This is the free public view
Claim VIRGINIA COOP
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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.