| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.5 pts |
| Share growth (YoY) | -0.2% | +0.9% | -1.2 pts |
| Loan growth (YoY) | -6.2% | -2.6% | -3.5 pts |
| ROA | 0.36% | 0.65% | -0.3 pts |
| ROE | 2.6% | 4.4% | -1.7 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $65.4M | $56.7M | $27.3M | $9.0M | $119K | 0.36% | 3.29% | 0.48% | 5,505 |
| Q1 2026 | $64.7M | $56.0M | $28.0M | $8.9M | $52K | 0.32% | 3.21% | 0.31% | 5,579 |
| Q4 2025 | $64.1M | $55.2M | $28.2M | $8.9M | $268K | 0.42% | 3.32% | 0.35% | 5,634 |
| Q3 2025 | $64.7M | $56.0M | $28.2M | $8.9M | $199K | 0.41% | 3.27% | 1.30% | 5,776 |
| Q2 2025 | $65.5M | $56.8M | $29.1M | $8.8M | $111K | 0.34% | 3.16% | 0.34% | 5,843 |
| Q1 2025 | $64.6M | $56.2M | $29.6M | $8.6M | $-7K | -0.05% | 3.15% | 0.91% | 5,865 |
| Q4 2024 | $63.5M | $55.2M | $30.0M | $8.7M | $81K | 0.13% | 3.15% | 1.17% | 5,890 |
| Q3 2024 | $64.8M | $56.6M | $30.3M | $8.7M | $108K | 0.22% | 3.04% | 1.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.65% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.4% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 5,966 |
| Q2 2024 | $65.7M | $57.8M | $31.1M | $8.7M | $73K | 0.22% | 2.90% | 0.96% | 5,976 |
Loan mix (Q2 2026): real estate $12.4M · commercial $0 · consumer $14.1M · securities $27.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% | 80.6% | 72nd |
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 2025). Biggest market: Baltimore, MD, ranked 30th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Baltimore, MD | 2 | $56.7M* | 0.18% | 30th |
Maryland: 109th with 0.02% · Baltimore-Columbia-Towson metro: 52nd, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2