Citadel Federal Credit Union
Total assets
$6.77B
▲ +7.7% YoY
Shares & deposits
$5.72B
▲ +9.0% YoY
Loans
$5.95B
▲ +9.7% YoY
Members
285,311
▲ +6.4% YoY
ROA (annualized)
0.44%
peers 0.71%
ROE (annualized)
4.72%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +5.1% | +2.6 pts |
| Share growth (YoY) | +9.0% | +4.9% | +4.2 pts |
| Loan growth (YoY) | +9.7% | +5.4% | +4.2 pts |
| ROA | 0.44% | 0.71% | -0.3 pts |
| ROE | 4.7% | 6.3% | -1.6 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
Profile
- Established
- 1937
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 520 Eagleview Blvd, Exton, PA, 19341
- NCUA charter #
- 2099
- RSSD ID
- 167873
- 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 | $6.77B | $5.72B | $5.95B | $630.9M | $7.4M | 0.44% | 2.61% | 0.30% | 285,311 |
| Q4 2025 | $6.62B | $5.57B | $5.88B | $623.5M | $33.1M | 0.50% | 2.49% | 0.33% | 285,351 |
| Q3 2025 | $6.50B | $5.39B | $5.77B | $623.6M | $28.8M | 0.59% | 2.48% | 0.31% | 275,891 |
| Q2 2025 | $6.39B | $5.37B | $5.59B | $611.7M | $16.9M | 0.53% | 2.45% | 0.31% | 271,237 |
| Q1 2025 | $6.28B | $5.25B | $5.42B | $605.2M | $10.5M | 0.67% | 2.42% | 0.32% | 268,083 |
| Q4 2024 | $6.16B | $5.08B | $5.39B | $594.8M | $32.6M | 0.53% | 2.26% | 0.34% | 265,739 |
| Q3 2024 | $6.05B | $4.96B | $5.27B | $594.0M | $27.2M | 0.60% | 2.29% | 0.38% | 264,200 |
| Q2 2024 | $6.03B | $4.93B | $5.16B | $584.0M | $17.3M | 0.57% | 2.27% | 0.35% | 263,272 |
Loan mix (Q1 2026): real estate $3.56B · commercial $478.1M · consumer $1.84B · securities $215.4M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.71% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 6.3% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.61% | 3.32% | 13th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 73.0% | 57th | |
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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