| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +4.7% | +0.9% | +3.7 pts |
| Loan growth (YoY) | -16.2% | -2.6% | -13.6 pts |
| ROA | 0.99% | 0.65% | +0.3 pts |
| ROE | 3.3% | 4.4% | -1.1 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.7M | $1.9M | $714K | $817K | $14K | 0.99% | 2.67% | 4.46% | 275 |
| Q1 2026 | $2.7M | $1.9M | $737K | $808K | $5K | 0.74% | 2.85% | 1.77% | 277 |
| Q4 2025 | $2.7M | $1.9M | $836K | $803K | $18K | 0.69% | 2.54% | 2.99% | 277 |
| Q3 2025 | $2.7M | $1.9M | $849K | $795K | $11K | 0.54% | 2.40% | 0.00% | 292 |
| Q2 2025 | $2.6M | $1.8M | $852K | $788K | $3K | 0.23% | 2.26% | 0.00% | 280 |
| Q1 2025 | $2.6M | $1.8M | $727K | $784K | $-1K | -0.20% | 1.93% | 0.00% | 274 |
| Q4 2024 | $2.5M | $1.7M | $756K | $785K | $16K | 0.63% | 2.93% | 0.56% | 272 |
| Q3 2024 | $2.5M | $1.7M | $837K | $783K | $14K | 0.74% | 3.15% | 1.57% | 289 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.65% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.4% | 42nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.4M |
| $1.6M |
| $888K |
| $785K |
| $16K |
| 1.28% |
| 3.65% |
| 0.00% |
| 295 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $714K · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 80.6% | 16th |
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: Caroline, MD, ranked 6th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Caroline, MD | 1 | $1.9M* | 0.32% | 6th |
Maryland: 149th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1