Census Federal Credit Union
Total assets
$49.6M
▼ -4.3% YoY
Shares & deposits
$40.0M
▼ -6.8% YoY
Loans
$11.0M
▼ -10.4% YoY
Members
2,067
▼ -4.8% YoY
ROA (annualized)
1.06%
peers 0.60%
ROE (annualized)
5.29%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +1.3% | -5.6 pts |
| Share growth (YoY) | -6.8% | +0.7% | -7.5 pts |
| Loan growth (YoY) | -10.4% | -2.4% | -8.0 pts |
| ROA | 1.06% | 0.60% | +0.5 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
Profile
- Established
- 1948
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- Po Box 733, Suitland, MD, 20752
- NCUA charter #
- 5641
- RSSD ID
- 880770
- 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 | $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% | 2,233 |
| Q2 2024 | $50.9M | $43.0M | $13.0M | $9.5M | $-30K | -0.12% | 1.75% | 0.21% | 2,245 |
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $7.7M · securities $31.3M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.83% | 25th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 81.5% | 25th | |
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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