| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.3% | +1.3% | -10.6 pts |
| Share growth (YoY) | -13.0% | +0.9% | -14.0 pts |
| Loan growth (YoY) | -1.3% | -2.6% | +1.3 pts |
| ROA | 0.48% | 0.65% | -0.2 pts |
| ROE | 1.9% | 4.4% | -2.5 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.6M | $4.9M | $3.0M | $1.7M | $16K | 0.48% | 7.17% | 1.56% | 1,720 |
| Q1 2026 | $6.4M | $4.8M | $3.0M | $1.6M | $10K | 0.64% | 6.98% | 3.86% | 1,720 |
| Q4 2025 | $6.5M | $4.9M | $3.0M | $1.6M | $28K | 0.43% | 7.89% | 7.79% | 1,720 |
| Q3 2025 | $6.9M | $5.3M | $3.1M | $1.6M | $-5K | -0.10% | 7.34% | 4.50% | 1,720 |
| Q2 2025 | $7.2M | $5.6M | $3.0M | $1.6M | $-19K | -0.52% | 7.04% | 5.50% | 1,705 |
| Q1 2025 | $7.0M | $5.5M | $3.0M | $1.6M | $-38K | -2.16% | 6.80% | 6.12% | 1,701 |
| Q4 2024 | $7.1M | $5.5M | $3.0M | $1.6M | $43K | 0.60% | 7.76% | 4.38% | 1,697 |
| Q3 2024 | $7.0M | $5.4M | $3.1M | $1.6M | $30K | 0.57% | 7.88% | 5.58% | 1,674 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 1.9% | 4.4% | 31st | |
Net interest margin Interest income − interest expense, ÷ assets | 7.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $7.1M | $5.5M | $3.0M | $1.6M | $15K | 0.42% | 7.75% | 7.30% | 1,671 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $3.0M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 80.6% | 68th |
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: District of Columbia, DC, ranked 72nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 1 | $4.9M* | 0.01% | 72nd |
District of Columbia: 73rd with 0.01% · Washington-Arlington-Alexandria metro: 150th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1