| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +3.9% | -6.6 pts |
| Share growth (YoY) | -3.7% | +3.3% | -7.0 pts |
| Loan growth (YoY) | -7.7% | +2.9% | -10.7 pts |
| ROA | 0.63% | 0.69% | -0.1 pts |
| ROE | 5.2% | 5.9% | -0.8 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $353.1M | $312.2M | $206.0M | $42.8M | $554K | 0.63% | 3.26% | 0.85% | 23,827 |
| Q4 2025 | $349.1M | $308.1M | $210.7M | $42.3M | $1.8M | 0.51% | 3.30% | 0.59% | 23,958 |
| Q3 2025 | $350.3M | $309.9M | $212.1M | $41.8M | $1.3M | 0.48% | 3.26% | 0.37% | 23,980 |
| Q2 2025 | $356.4M | $317.6M | $215.8M | $41.4M | $880K | 0.49% | 3.15% | 0.37% | 24,406 |
| Q1 2025 | $362.8M | $324.4M | $223.3M | $40.9M | $359K | 0.40% | 3.01% | 0.38% | 25,046 |
| Q4 2024 | $352.5M | $315.7M | $228.8M | $40.7M | $517K | 0.15% | 2.99% | 0.47% | 25,026 |
| Q3 2024 | $355.8M | $318.1M | $230.4M | $40.5M | $312K | 0.12% | 2.94% | 0.43% | 24,989 |
| Q2 2024 | $365.5M | $328.9M | $235.1M | $40.2M | $12K | 0.01% | 2.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.69% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 5.9% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 25,069 |
Loan mix (Q1 2026): real estate $142.4M · commercial $11.6M · consumer $48.0M · securities $78.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 78.7% | 57th |
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.
2 branches in 1 county across 2 states (-1 vs 2024). Biggest market: District of Columbia, DC, ranked 37th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 1 | $158.8M* | 0.20% | 37th |
Maryland: 78th with 0.07% · District of Columbia: 37th with 0.20% · Washington-Arlington-Alexandria metro: 89th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 4 · 2024 3 · 2025 2