Beach Municipal

Virginia Beach, VA · 1 · Charter #20394 · www.beachmunicipal.org
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
$188.3M
87th percentile
Members
9,009
61th percentile
Total loans
$94.6M
73th percentile
Total shares
$162.5M
86th percentile

Profitability

Return on assets
1.49%
77th percentile
Net interest margin
3.40%
35th percentile
Efficiency ratio
52.73%
78th percentile
Non-interest income ratio
15.39%
40th percentile

Capital & Risk

Net worth ratio
13.79%
67th percentile
Delinquency rate
0.97%
35th percentile
Net charge-off rate
0.21%
65th percentile
Loan-to-share
58.25%
32th percentile

Growth

Member growth YoY
-1.13%
44th percentile
Asset growth YoY
12.68%
93th percentile
Loan growth YoY
1.58%
52th percentile
Share growth YoY
12.79%
93th percentile

Operations

Members / branch
4,505
77th percentile
Assets / member
$20,896
87th percentile
Field of membership penetration
27.30%
76th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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