Hampton Roads Educ Credit Union Inc

HAMPTON, VA · 2 · Charter #66913 · www.hrecu.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
$45.8M
97th percentile
Members
4,536
96th percentile
Total loans
$17.7M
84th percentile
Total shares
$40.8M
98th percentile

Profitability

Return on assets
1.21%
68th percentile
Net interest margin
3.95%
49th percentile
Efficiency ratio
71.85%
39th percentile
Non-interest income ratio
20.70%
83th percentile

Capital & Risk

Net worth ratio
8.42%
7th percentile
Delinquency rate
1.17%
37th percentile
Net charge-off rate
0.59%
28th percentile
Loan-to-share
43.43%
26th percentile

Growth

Member growth YoY
-2.20%
41th percentile
Asset growth YoY
5.46%
76th percentile
Loan growth YoY
-1.55%
56th percentile
Share growth YoY
3.49%
67th percentile

Operations

Members / branch
2,268
83th percentile
Assets / member
$10,105
56th percentile
Field of membership penetration
62.90%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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