| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.4% | +4.1% | -8.5 pts |
| Share growth (YoY) | -5.0% | +3.5% | -8.5 pts |
| Loan growth (YoY) | -6.1% | +2.9% | -9.0 pts |
| ROA | -0.23% | 0.74% | -1.0 pts |
| ROE | -1.9% | 6.5% | -8.4 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $103.1M | $92.1M | $55.3M | $12.5M | $-117K | -0.23% | 3.92% | 1.84% | 8,962 |
| Q1 2026 | $105.1M | $94.1M | $57.3M | $12.5M | $-127K | -0.48% | 3.87% | 1.54% | 9,041 |
| Q4 2025 | $105.6M | $94.3M | $57.7M | $12.6M | $192K | 0.18% | 3.86% | 1.77% | 9,066 |
| Q3 2025 | $105.4M | $94.3M | $58.3M | $12.6M | $182K | 0.23% | 3.85% | 1.63% | 9,190 |
| Q2 2025 | $107.8M | $97.0M | $58.8M | $12.5M | $105K | 0.20% | 3.75% | 1.58% | 9,212 |
| Q1 2025 | $109.1M | $98.5M | $60.0M | $12.4M | $23K | 0.08% | 3.74% | 1.49% | 9,274 |
| Q4 2024 | $105.7M | $96.3M | $61.5M | $12.4M | $222K | 0.21% | 3.95% | 1.57% | 9,295 |
| Q3 2024 | $108.5M | $98.0M | $62.0M | $12.5M | $279K | 0.34% | 3.83% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.23% | 0.74% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -1.9% | 6.5% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.40% |
| 9,395 |
| Q2 2024 | $108.2M | $98.6M | $61.6M | $12.5M | $281K | 0.52% | 3.76% | 1.63% | 9,395 |
Loan mix (Q2 2026): real estate $40.5M · commercial $0 · consumer $14.8M · securities $37.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.2% | 77.5% | 98th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
6 branches in 4 counties across 3 states (+0 vs 2025). Biggest market: District of Columbia, DC, ranked 52nd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 3 | $46.1M* | 0.06% | 52nd |
| Kings, NY | 1 | $15.4M* | 0.02% | 48th |
| Philadelphia, PA | 1 | $15.4M* | 0.02% | 51st |
| 1 more county with Pro → | ||||
District of Columbia: 52nd with 0.06% · New York: 322nd with 0.00% · Pennsylvania: 346th with 0.00% · Washington-Arlington-Alexandria metro: 120th, 0.01% · Albany-Schenectady-Troy metro: 32nd, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6