Halifax County Community

SOUTH BOSTON, VA · 1 · Charter #23760 · www.halifaxcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$6.7M
32th percentile
Members
1,588
55th percentile
Total loans
$1.4M
18th percentile
Total shares
$6.2M
35th percentile

Profitability

Return on assets
-0.18%
12th percentile
Net interest margin
3.15%
23th percentile
Efficiency ratio
90.07%
12th percentile
Non-interest income ratio
9.18%
50th percentile

Capital & Risk

Net worth ratio
7.43%
3th percentile
Delinquency rate
2.32%
21th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
22.91%
7th percentile

Growth

Member growth YoY
-7.67%
9th percentile
Asset growth YoY
3.67%
66th percentile
Loan growth YoY
76.51%
99th percentile
Share growth YoY
4.04%
70th percentile

Operations

Members / branch
no peer data
Assets / member
$4,220
12th percentile
Field of membership penetration
31.76%
45th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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