| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +3.9% | -2.2 pts |
| Share growth (YoY) | +3.3% | +3.3% | -0.0 pts |
| Loan growth (YoY) | -2.9% | +2.9% | -5.8 pts |
| ROA | -0.88% | 0.69% | -1.6 pts |
| ROE | -11.2% | 5.9% | -17.1 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $140.0M | $117.5M | $101.9M | $11.0M | $-307K | -0.88% | 2.86% | 0.33% | 8,679 |
| Q4 2025 | $145.4M | $118.7M | $103.2M | $11.3M | $-2.1M | -1.43% | 2.70% | 0.65% | 8,652 |
| Q3 2025 | $146.6M | $117.7M | $103.4M | $13.3M | $-112K | -0.10% | 2.72% | 0.37% | 8,528 |
| Q2 2025 | $142.0M | $113.2M | $104.0M | $13.2M | $-161K | -0.23% | 2.83% | 0.41% | 8,499 |
| Q1 2025 | $137.6M | $113.7M | $104.9M | $13.4M | $43K | 0.13% | 2.89% | 0.36% | 8,493 |
| Q4 2024 | $136.3M | $109.5M | $104.3M | $13.4M | $-117K | -0.09% | 2.96% | 0.35% | 8,399 |
| Q3 2024 | $133.1M | $107.3M | $103.3M | $13.6M | $38K | 0.04% | 3.04% | 0.62% | 8,345 |
| Q2 2024 | $134.5M | $114.4M | $104.3M | $13.6M | $63K | 0.09% | 3.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.88% | 0.69% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -11.2% | 5.9% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 8,397 |
Loan mix (Q1 2026): real estate $63.3M · commercial $2.7M · consumer $35.7M · securities $16.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 122.5% | 78.7% | 100th |
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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: District of Columbia, DC, ranked 44th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 2 | $113.2M* | 0.14% | 44th |
District of Columbia: 44th with 0.14% · Washington-Arlington-Alexandria metro: 97th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2