| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.7% | +1.3% | -5.0 pts |
| Share growth (YoY) | -5.7% | +0.9% | -6.7 pts |
| Loan growth (YoY) | -8.8% | -2.6% | -6.2 pts |
| ROA | 1.19% | 0.65% | +0.5 pts |
| ROE | 5.8% | 4.4% | +1.4 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $48.9M | $39.2M | $11.2M | $10.1M | $290K | 1.19% | 3.39% | 0.38% | 2,012 |
| Q1 2026 | $49.6M | $40.0M | $11.0M | $9.9M | $131K | 1.06% | 3.23% | 1.66% | 2,067 |
| Q4 2025 | $49.7M | $39.9M | $11.7M | $9.8M | $243K | 0.49% | 2.66% | 0.21% | 2,091 |
| Q3 2025 | $50.2M | $40.7M | $12.1M | $9.7M | $134K | 0.35% | 2.51% | 0.36% | 2,123 |
| Q2 2025 | $50.8M | $41.5M | $12.2M | $9.7M | $109K | 0.43% | 2.39% | 0.73% | 2,130 |
| Q1 2025 | $51.9M | $42.9M | $12.3M | $9.6M | $63K | 0.49% | 2.27% | 0.39% | 2,172 |
| Q4 2024 | $50.6M | $42.0M | $12.2M | $9.6M | $692 | 0.00% | 1.90% | 0.20% | 2,208 |
| Q3 2024 | $50.6M | $42.0M | $12.4M | $9.5M | $-32K | -0.09% | 1.82% | 0.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.65% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,233 |
| Q2 2024 | $50.9M | $43.0M | $13.0M | $9.5M | $-30K | -0.12% | 1.75% | 0.21% | 2,245 |
Loan mix (Q2 2026): real estate $3.2M · commercial $0 · consumer $8.0M · securities $31.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 80.6% | 22nd |
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.
2 branches in 0 counties across 1 state (+0 vs 2025).
| County | Branches | Deposits | Share | Rank |
|---|
District of Columbia: 59th with 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2