HAMPTON ROADS EDUC CREDIT UNION INC
Charter #66913 · HAMPTON, VA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.40% sits at the 10th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 66th — a 30-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 | HAMPTON ROADS EDUC CREDIT UNION INC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $46.52M | 95th pct | 66th pct |
| Members | 4,513 | 94th pct | 74th pct |
| Net worth ratio | 8.40% | 7th pct | 10th pct |
| Return on average assets | 0.44% | 38th pct | 38th pct |
| Net interest margin | 4.15% | 65th pct | 57th pct |
| Cost of funds | 0.31% | 21th pct | 38th pct |
| Loan-to-share | 41.09% | 22th pct | 46th pct |
| Delinquency 60+ days | 1.10% | 71th pct | 69th pct |
| Net charge-off ratio | 0.62% | 76th pct | 66th pct |
| Loan growth YoY | -3.46% | 42th pct | 54th pct |
| Share growth YoY | 4.37% | 69th pct | 79th pct |
| Efficiency ratio | 87.97% | 69th pct | 62th pct |
structural peer set hash: 0bcf1f0d617084bf12cf7595524c5197… (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.