Cedar Point Federal Credit Union
Total assets
$902.9M
▲ +8.1% YoY
Shares & deposits
$815.9M
▲ +7.6% YoY
Loans
$515.7M
▲ +12.8% YoY
Members
47,768
▲ +5.0% YoY
ROA (annualized)
0.75%
peers 0.62%
ROE (annualized)
8.29%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.8% | +3.4 pts |
| Share growth (YoY) | +7.6% | +4.3% | +3.3 pts |
| Loan growth (YoY) | +12.8% | +4.3% | +8.4 pts |
| ROA | 0.75% | 0.62% | +0.1 pts |
| ROE | 8.3% | 5.9% | +2.4 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
Profile
- Established
- 1945
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 22745 Maple Rd, Lexington Park, MD, 20653
- NCUA charter #
- 5234
- RSSD ID
- 850175
- 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 | $902.9M | $815.9M | $515.7M | $81.9M | $1.7M | 0.75% | 3.06% | 0.20% | 47,768 |
| Q4 2025 | $875.7M | $790.7M | $510.7M | $80.2M | $5.5M | 0.63% | 3.11% | 0.72% | 47,409 |
| Q3 2025 | $853.0M | $768.4M | $504.1M | $78.8M | $4.1M | 0.65% | 3.11% | 0.61% | 46,980 |
| Q2 2025 | $849.5M | $766.9M | $482.9M | $77.2M | $2.5M | 0.59% | 3.08% | 0.60% | 46,517 |
| Q1 2025 | $834.9M | $758.5M | $457.4M | $77.5M | $1.3M | 0.64% | 3.00% | 0.51% | 45,493 |
| Q4 2024 | $803.7M | $729.7M | $463.0M | $76.1M | $6.0M | 0.74% | 2.94% | 0.66% | 45,166 |
| Q3 2024 | $797.7M | $726.3M | $459.9M | $74.6M | $4.5M | 0.74% | 2.93% | 1.02% | 45,011 |
| Q2 2024 | $793.7M | $726.1M | $451.8M | $73.2M | $3.0M | 0.77% | 2.95% | 1.05% | 44,551 |
Loan mix (Q1 2026): real estate $189.2M · commercial $102.0M · consumer $220.7M · securities $262.5M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.62% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 5.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.48% | 24th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.5% | 78.3% | 31th | |
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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