| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +4.1% | -4.3 pts |
| Share growth (YoY) | -2.7% | +3.5% | -6.2 pts |
| Loan growth (YoY) | +1.9% | +2.9% | -1.0 pts |
| ROA | 1.07% | 0.74% | +0.3 pts |
| ROE | 8.7% | 6.5% | +2.2 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $237.7M | $214.7M | $86.2M | $29.4M | $1.3M | 1.07% | 3.78% | 1.31% | 21,336 |
| Q1 2026 | $241.5M | $218.7M | $88.0M | $28.7M | $547K | 0.91% | 3.67% | 0.52% | 21,251 |
| Q4 2025 | $234.2M | $211.0M | $86.1M | $28.1M | $3.0M | 1.29% | 3.74% | 1.55% | 21,174 |
| Q3 2025 | $235.2M | $214.2M | $86.1M | $27.2M | $2.1M | 1.20% | 3.63% | 1.65% | 21,191 |
| Q2 2025 | $238.0M | $220.6M | $84.6M | $26.2M | $1.1M | 0.91% | 3.52% | 1.30% | 21,617 |
| Q1 2025 | $235.9M | $219.3M | $83.1M | $25.6M | $456K | 0.77% | 3.46% | 0.44% | 21,509 |
| Q4 2024 | $223.5M | $209.5M | $82.6M | $25.1M | $2.7M | 1.22% | 3.38% | 1.54% | 21,416 |
| Q3 2024 | $227.5M | $210.6M | $82.4M | $24.6M | $2.2M | 1.31% | 3.31% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.74% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 6.5% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.38% |
| 21,503 |
| Q2 2024 | $228.9M | $215.4M | $82.3M | $23.9M | $1.6M | 1.37% | 3.38% | 1.23% | 21,898 |
Loan mix (Q2 2026): real estate $7.5M · commercial $12.0M · consumer $61.9M · securities $124.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 77.5% | 17th |
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 1 county across 1 state (+0 vs 2025). Biggest market: Washington, MD, ranked 6th with 5.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, MD | 6 | $214.7M* | 5.15% | 6th |
Maryland: 71st with 0.09% · Hagerstown-Martinsburg metro: 11th, 3.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6