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Credit union peer report

Pick any credit union and a peer group. You get every key ratio from the Q2 2026 call report against those peers: the median, the middle half, a percentile rank, plain-English strengths and weaknesses, and five quarters of trend. Free, printable, ready for a board packet.

An example: Henrico Federal Credit Union against NCUA's $100 million to $500 million group. Pick any credit union above.

Peer report · Q2 2026 call report · charter 18175

Henrico Federal Credit Union

Henrico, VA · compared with 1,060 peers: every credit union in NCUA's $100 million to $500 million asset group

Total assets
$500M
Peer median $198M
Members
31,656
Peer median 13,216
Net worth ratio
10.68%
Peer median 11.65%
Return on assets
1.06%
Peer median 0.75%
Loans 60+ days late
1.44%
Peer median 0.70%
Loan growth
+12.42%
Peer median +2.84%

Where it leads its peers

  • Loan growth of +12.42% is in the best quarter of peers (89th percentile; peer median +2.84%).
  • Credit card rate of 9.31% is in the best quarter of peers (83rd percentile; peer median 11.02%).
  • First mortgage rate of 4.45% is in the best quarter of peers (83rd percentile; peer median 5.78%).
  • Efficiency ratio of 66.49% is in the best quarter of peers (82nd percentile; peer median 77.51%).
  • Asset growth of +7.36% is in the best quarter of peers (79th percentile; peer median +4.11%).
  • Deposit growth of +6.86% is in the best quarter of peers (78th percentile; peer median +3.54%).
  • Operating expense to assets of 3.03% is in the best quarter of peers (77th percentile; peer median 3.75%).

Where it trails its peers

  • Loans 60+ days late of 1.44% is in the weakest quarter of peers (15th percentile; peer median 0.70%).
  • Credit loss expense to loans of 0.74% is in the weakest quarter of peers (21st percentile; peer median 0.37%).
  • Fee income per member of $105 is in the weakest quarter of peers (25th percentile; peer median $76).

Ratios with a better direction (higher capital and earnings, lower late loans, charge-offs, costs and loan rates) are judged so that the 100th percentile is best. Size and mix figures are ranked high to low and not judged.

Size

FigureHenrico Federal Credit UnionPeer medianMiddle half of peersPercentile
Total assets$500M$198M$140M to $315M100
Members31,65613,2169,073 to 19,33195
Loans outstanding$322M$125M$83.2M to $200M96
Shares and deposits$448M$172M$121M to $269M100
Net worth$53.4M$24.5M$17.0M to $36.4M93
Branches843 to 693
Employees894229 to 6491

Growth (12 months)

FigureHenrico Federal Credit UnionPeer medianMiddle half of peersPercentile
Asset growth+7.36%+4.11%+1.27% to +6.82%79
Member growth+1.18%-0.06%-2.21% to +2.19%66
Loan growth+12.42%+2.84%-1.21% to +7.71%89
Deposit growth+6.86%+3.54%+0.62% to +6.44%78

Capital and reserves

FigureHenrico Federal Credit UnionPeer medianMiddle half of peersPercentile
Net worth ratio10.68%11.65%9.96% to 13.83%35
Loss reserves to loans1.14%0.80%0.52% to 1.14%75
Loss reserves to late loans0.79x1.21x0.70x to 2.04x31

Earnings

FigureHenrico Federal Credit UnionPeer medianMiddle half of peersPercentile
Return on assets1.06%0.75%0.43% to 1.19%68
Net interest margin3.35%3.72%3.30% to 4.14%28
Dividends paid on deposits1.72%1.33%0.97% to 1.69%76
Cost of funds1.61%1.18%0.86% to 1.53%79
Efficiency ratio66.49%77.51%69.56% to 84.50%82
Operating expense to assets3.03%3.75%3.08% to 4.41%77
Non-interest income to assets1.21%0.99%0.67% to 1.38%63
Fee income per member$105$76$51 to $10525
Credit loss expense to loans0.74%0.37%0.16% to 0.69%21

Loan quality

FigureHenrico Federal Credit UnionPeer medianMiddle half of peersPercentile
Loans 60+ days late1.44%0.70%0.37% to 1.15%15
Net charge-off rate0.35%0.35%0.16% to 0.62%49

Lending

FigureHenrico Federal Credit UnionPeer medianMiddle half of peersPercentile
Loan-to-share ratio71.88%73.17%59.49% to 84.49%48
Auto loans, share of loans54.55%34.70%21.97% to 49.07%82
Home loans, share of loans34.52%42.87%28.91% to 56.02%35
Credit cards, share of loans3.07%2.24%1.09% to 3.95%61
Business loans, share of loans4.14%1.99%0.00% to 10.87%59
Auto loans outstanding$176M$41.7M$22.5M to $66.9M98
Home loans outstanding$111M$50.8M$28.9M to $87.2M84
Credit card balances$9.9M$2.7M$1.1M to $5.4M91
Business loans outstanding$13.3M$2.5M$0 to $16.2M72
Private student loans$2,243$0$0 to $077
Average loan size$19K$17K$13K to $23K59

Deposits

FigureHenrico Federal Credit UnionPeer medianMiddle half of peersPercentile
Certificates, share of deposits27.20%23.26%16.20% to 31.04%65
Core deposits, share of deposits68.95%70.90%62.04% to 79.05%43
Deposits over $250,0007.40%5.33%3.31% to 8.20%68
Average deposits per member$14K$13K$11K to $16K57

Liquidity

FigureHenrico Federal Credit UnionPeer medianMiddle half of peersPercentile
Investments to assets14.77%11.95%4.52% to 22.97%57
Cash to assets15.16%13.49%8.47% to 22.10%57
Borrowings to assets1.02%0.00%0.00% to 0.00%83

Operations

FigureHenrico Federal Credit UnionPeer medianMiddle half of peersPercentile
Members per employee362321269 to 38967
Assets per employee$5.7M$4.9M$4.0M to $6.4M67
Members per branch3,9573,6482,664 to 4,93258
Field of membership reached2.21%4.39%1.59% to 13.85%34

Loan rates on the call report

FigureHenrico Federal Credit UnionPeer medianMiddle half of peersPercentile
New auto loan rate5.87%5.50%4.99% to 6.13%37
Used auto loan rate6.28%6.28%5.49% to 7.23%50
Credit card rate9.31%11.02%9.90% to 12.96%83
Personal loan rate11.21%11.60%10.25% to 13.24%57
First mortgage rate4.45%5.78%4.78% to 6.50%83
Home equity rate6.57%6.75%6.35% to 7.35%66

Five quarters, Q2 2025 to Q2 2026

Assets$465M to $500M
Members31,286 to 31,656
Loans$286M to $322M
Shares and deposits$419M to $448M
Net worth ratio10.29% to 10.68%

The peer group

every credit union in NCUA's $100 million to $500 million asset group: 1,060 credit unions. The 25 closest in size are listed.

  1. Land of Lincoln Credit Union, IL $499M
  2. Dirigo Federal Credit Union, ME $498M
  3. Advantage Federal Credit Union, NY $498M
  4. Garden Savings Federal Credit Union, NJ $496M
  5. Genco Federal Credit Union, TX $495M
  6. Cumberland County Federal Credit Union, ME $494M
  7. Tampa Bay Federal Credit Union, FL $494M
  8. Topside Federal Credit Union, VA $492M
  9. Velocity Community Credit Union, FL $492M
  10. Maui County Federal Credit Union, HI $488M
  11. Lehigh Valley Educators Credit Union, PA $485M
  12. Trax Federal Credit Union, FL $485M
  13. Loc Credit Union, MI $485M
  14. Midsouth Community Federal Credit Union, GA $485M
  15. First Harvest Federal Credit Union, NJ $484M
  16. Jolt Credit Union, MI $484M
  17. Healthcare Associates Credit Union, IL $482M
  18. Cme Federal Credit Union, OH $481M
  19. Widget Federal Credit Union, PA $480M
  20. Winsouth Credit Union, AL $479M
  21. Members Credit Union, NC $477M
  22. On Tap Credit Union, CO $474M
  23. Earthmover Credit Union, IL $472M
  24. Alabama State Employees Credit Union, AL $471M
  25. Cornerstone Community Financial Credit Union, MI $470M

Source: NCUA 5300 call report data for Q2 2026, filed by each credit union. Ratios follow NCUA's Financial Performance Report formulas (year-to-date income annualized, divided by the average of this quarter and the prior December). Built free at creditunions.online/peer-report. Not affiliated with NCUA or any credit union.

Questions people ask

What is a credit union peer report?

A side-by-side of one credit union against a group of similar ones: the same key ratios a board or examiner looks at (capital, earnings, loan quality, growth, efficiency), with the peer median, the middle half of the peer range and a percentile rank for each.

How do I save it as a PDF?

Build the report, then use Print or Save as PDF in your browser. The print layout drops the site menu and starts the detailed sections on new pages, so it is ready for a board packet.

Which peer group should I pick?

NCUA's own asset-size group is the default, and it is what NCUA's Financial Performance Report uses. Same state and asset group is closer to your market. A custom size band (for example, within 50% of your assets) or a hand-picked list of named competitors gives the tightest comparison.

Where do the numbers come from?

NCUA's 5300 call report for Q2 2026 (quarter ended June 30, 2026). Ratios follow the Financial Performance Report formulas: year-to-date income annualized over the average of this quarter and the prior December. The efficiency ratio is the standard industry measure, since NCUA does not publish one.

Is this free? Do you keep my report?

Free with no sign-up. The report is built in your browser from public data, so nothing about which credit union you looked at is stored. The link in the address bar rebuilds the same report.