Andrews Federal Credit Union
Total assets
$2.58B
▲ +4.4% YoY
Shares & deposits
$2.00B
▲ +3.7% YoY
Loans
$1.99B
▲ +7.7% YoY
Members
153,258
▲ +7.9% YoY
ROA (annualized)
0.36%
peers 0.71%
ROE (annualized)
3.34%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +5.1% | -0.8 pts |
| Share growth (YoY) | +3.7% | +4.9% | -1.1 pts |
| Loan growth (YoY) | +7.7% | +5.4% | +2.2 pts |
| ROA | 0.36% | 0.71% | -0.3 pts |
| ROE | 3.3% | 6.3% | -2.9 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
Profile
- Established
- 1948
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 5711 Allentown Rd, Suitland, MD, 20746
- NCUA charter #
- 5754
- RSSD ID
- 574275
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.58B | $2.00B | $1.99B | $280.8M | $2.3M | 0.36% | 2.57% | 1.40% | 153,258 |
| Q4 2025 | $2.57B | $1.95B | $1.94B | $278.5M | $13.0M | 0.51% | 2.51% | 1.74% | 149,113 |
| Q3 2025 | $2.51B | $1.95B | $1.88B | $274.9M | $9.4M | 0.50% | 2.57% | 1.75% | 146,260 |
| Q2 2025 | $2.49B | $1.94B | $1.85B | $270.2M | $4.8M | 0.38% | 2.57% | 1.71% | 146,083 |
| Q1 2025 | $2.47B | $1.93B | $1.85B | $267.5M | $2.0M | 0.33% | 2.58% | 1.33% | 142,076 |
| Q4 2024 | $2.45B | $1.85B | $1.87B | $265.5M | $12.3M | 0.50% | 2.74% | 1.91% | 138,362 |
| Q3 2024 | $2.48B | $1.86B | $1.90B | $264.1M | $11.0M | 0.59% | 2.73% | 1.46% | 136,464 |
| Q2 2024 | $2.58B | $1.92B | $1.86B | $260.9M | $7.8M | 0.61% | 2.62% | 1.52% | 133,794 |
Loan mix (Q1 2026): real estate $1.18B · commercial $163.6M · consumer $637.0M · securities $338.3M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.71% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 6.3% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.57% | 3.32% | 12th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 73.0% | 83th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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