Apple Federal Credit Union
Total assets
$5.62B
▲ +7.3% YoY
Shares & deposits
$4.70B
▲ +7.8% YoY
Loans
$3.32B
▼ -0.5% YoY
Members
267,466
▼ -0.3% YoY
ROA (annualized)
1.95%
peers 0.71%
ROE (annualized)
17.99%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +5.1% | +2.2 pts |
| Share growth (YoY) | +7.8% | +4.9% | +3.0 pts |
| Loan growth (YoY) | -0.6% | +5.4% | -6.0 pts |
| ROA | 1.95% | 0.71% | +1.2 pts |
| ROE | 18.0% | 6.3% | +11.7 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 1200, Fairfax, VA, 22038
- NCUA charter #
- 11307
- RSSD ID
- 625289
- 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 | $5.62B | $4.70B | $3.32B | $608.6M | $27.4M | 1.95% | 2.78% | 0.50% | 267,466 |
| Q4 2025 | $5.44B | $4.53B | $3.33B | $581.3M | $45.5M | 0.84% | 2.88% | 0.61% | 266,924 |
| Q3 2025 | $5.33B | $4.43B | $3.30B | $572.9M | $33.3M | 0.83% | 2.91% | 0.57% | 268,907 |
| Q2 2025 | $5.28B | $4.39B | $3.33B | $561.7M | $22.1M | 0.84% | 2.89% | 0.60% | 268,999 |
| Q1 2025 | $5.24B | $4.35B | $3.33B | $550.0M | $10.4M | 0.79% | 2.91% | 0.41% | 268,262 |
| Q4 2024 | $4.62B | $3.81B | $2.95B | $472.6M | $34.6M | 0.75% | 2.58% | 0.61% | 252,683 |
| Q3 2024 | $4.53B | $3.70B | $2.94B | $467.2M | $25.3M | 0.75% | 2.60% | 0.29% | 252,502 |
| Q2 2024 | $4.49B | $3.67B | $2.89B | $458.0M | $16.2M | 0.72% | 2.56% | 0.26% | 250,857 |
Loan mix (Q1 2026): real estate $1.69B · commercial $563.5M · consumer $1.02B · securities $1.62B
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 | 1.95% | 0.71% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 6.3% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.32% | 17th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.1% | 73.0% | 10th | |
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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