| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -1.5% | +0.7% | -2.2 pts |
| Loan growth (YoY) | -3.4% | -2.4% | -1.0 pts |
| ROA | 0.10% | 0.60% | -0.5 pts |
| ROE | 0.8% | 4.1% | -3.3 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $90.5M | $76.3M | $58.1M | $11.5M | $23K | 0.10% | 4.58% | 2.47% | 9,931 |
| Q4 2025 | $89.2M | $75.2M | $57.8M | $11.4M | $367K | 0.41% | 4.24% | 2.70% | 10,074 |
| Q3 2025 | $90.1M | $76.8M | $58.8M | $11.4M | $315K | 0.47% | 4.23% | 2.31% | 9,985 |
| Q2 2025 | $90.8M | $77.5M | $59.1M | $11.3M | $243K | 0.54% | 4.15% | 2.06% | 9,794 |
| Q1 2025 | $90.9M | $77.5M | $60.1M | $11.2M | $122K | 0.54% | 4.07% | 2.97% | 9,699 |
| Q4 2024 | $84.6M | $72.7M | $61.1M | $11.1M | $625K | 0.74% | 4.83% | 2.26% | 9,638 |
| Q3 2024 | $83.3M | $70.5M | $60.7M | $11.1M | $631K | 1.01% | 4.73% | 2.17% | 9,795 |
| Q2 2024 | $80.3M | $70.9M | $60.2M | $11.2M | $690K | 1.72% | 5.01% | 1.03% |
| Ratio | Dc Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.10% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,819 |
Loan mix (Q1 2026): real estate $22.0M · commercial $5.5M · consumer $27.0M · securities $14.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.7% | 81.5% | 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 | Dc Federal Credit Union | 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 | Dc Federal Credit Union | 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 | Dc Federal Credit Union | 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 | Dc Federal Credit Union | 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.