Central Virginia

LYNCHBURG, VA · 1 · Charter #22307 · www.cvfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$192.6M
88th percentile
Members
13,053
84th percentile
Total loans
$119.4M
86th percentile
Total shares
$167.0M
88th percentile

Profitability

Return on assets
1.89%
90th percentile
Net interest margin
4.74%
93th percentile
Efficiency ratio
65.16%
42th percentile
Non-interest income ratio
20.20%
65th percentile

Capital & Risk

Net worth ratio
12.23%
50th percentile
Delinquency rate
1.35%
21th percentile
Net charge-off rate
0.27%
57th percentile
Loan-to-share
71.52%
56th percentile

Growth

Member growth YoY
-0.95%
46th percentile
Asset growth YoY
1.22%
28th percentile
Loan growth YoY
3.71%
63th percentile
Share growth YoY
-0.48%
20th percentile

Operations

Members / branch
2,611
39th percentile
Assets / member
$14,753
53th percentile
Field of membership penetration
5.13%
47th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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