| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.0 pts |
| Share growth (YoY) | -0.9% | +0.9% | -1.8 pts |
| Loan growth (YoY) | -8.8% | -2.6% | -6.2 pts |
| ROA | 0.26% | 0.65% | -0.4 pts |
| ROE | 2.3% | 4.4% | -2.0 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $12.6M | $11.2M | $8.1M | $1.4M | $17K | 0.26% | 0.83% | 0.00% | 508 |
| Q1 2026 | $13.1M | $11.7M | $8.1M | $1.4M | $14K | 0.44% | 0.96% | 0.00% | 507 |
| Q4 2025 | $13.1M | $11.7M | $8.3M | $1.4M | $-3K | -0.03% | 0.63% | 0.12% | 511 |
| Q3 2025 | $12.4M | $11.0M | $8.5M | $1.4M | $-17K | -0.18% | 0.51% | 0.00% | 512 |
| Q2 2025 | $12.7M | $11.3M | $8.9M | $1.4M | $-17K | -0.27% | 0.42% | 0.00% | 515 |
| Q1 2025 | $12.5M | $11.1M | $8.4M | $1.4M | $-13K | -0.41% | 0.23% | 0.00% | 513 |
| Q4 2024 | $12.7M | $11.3M | $8.7M | $1.4M | $-64K | -0.51% | 0.24% | 0.00% | 514 |
| Q3 2024 | $12.3M | $10.9M | $8.2M | $1.4M | $-45K | -0.49% | 0.24% | 0.12% | 519 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.65% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.83% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $12.3M | $10.9M | $8.2M | $1.5M | $-21K | -0.34% | 0.37% | 0.00% | 522 |
Loan mix (Q2 2026): real estate $8.0M · commercial $0 · consumer $83K · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 80.6% | 26th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Montgomery, MD, ranked 45th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, MD | 1 | $11.2M* | 0.02% | 45th |
Maryland: 137th with 0.00% · Washington-Arlington-Alexandria metro: 140th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1