Virginia State University

South Chesterfi, VA · 1 · Charter #3029 · www.vsufcu.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
$12.9M
49th percentile
Members
1,891
63th percentile
Total loans
$8.2M
58th percentile
Total shares
$11.7M
52th percentile

Profitability

Return on assets
1.53%
79th percentile
Net interest margin
5.98%
95th percentile
Efficiency ratio
79.53%
24th percentile
Non-interest income ratio
21.67%
85th percentile

Capital & Risk

Net worth ratio
8.88%
9th percentile
Delinquency rate
1.68%
28th percentile
Net charge-off rate
1.13%
14th percentile
Loan-to-share
69.85%
63th percentile

Growth

Member growth YoY
-1.82%
45th percentile
Asset growth YoY
4.60%
72th percentile
Loan growth YoY
-1.86%
55th percentile
Share growth YoY
3.06%
64th percentile

Operations

Members / branch
946
44th percentile
Assets / member
$6,842
29th percentile
Field of membership penetration
54.03%
71th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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