| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -2.7% | +0.9% | -3.6 pts |
| Loan growth (YoY) | -6.2% | -2.6% | -3.6 pts |
| ROA | 0.47% | 0.65% | -0.2 pts |
| ROE | 5.1% | 4.4% | +0.7 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $49.0M | $44.1M | $16.9M | $4.5M | $115K | 0.47% | 3.39% | 1.42% | 3,698 |
| Q1 2026 | $49.3M | $44.4M | $17.1M | $4.5M | $55K | 0.44% | 3.30% | 1.63% | 3,761 |
| Q4 2025 | $49.0M | $44.0M | $17.6M | $4.4M | $282K | 0.58% | 3.45% | 2.05% | 3,828 |
| Q3 2025 | $49.4M | $44.5M | $17.8M | $4.3M | $203K | 0.55% | 3.33% | 2.00% | 3,860 |
| Q2 2025 | $49.9M | $45.3M | $18.0M | $4.3M | $121K | 0.49% | 3.19% | 1.60% | 3,870 |
| Q1 2025 | $49.4M | $45.1M | $18.4M | $4.2M | $55K | 0.44% | 3.06% | 2.01% | 3,897 |
| Q4 2024 | $47.0M | $42.9M | $18.7M | $4.1M | $408K | 0.87% | 3.17% | 2.55% | 3,924 |
| Q3 2024 | $46.1M | $42.1M | $18.9M | $4.1M | $324K | 0.94% | 3.21% | 1.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.65% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,944 |
| Q2 2024 | $47.8M | $44.4M | $18.9M | $4.0M | $263K | 1.10% | 3.06% | 2.55% | 3,985 |
Loan mix (Q2 2026): real estate $10.8M · commercial $0 · consumer $5.6M · securities $25.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.0% | 80.6% | 65th |
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 53rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 1 | $44.1M* | 0.06% | 53rd |
District of Columbia: 53rd with 0.06% · Washington-Arlington-Alexandria metro: 121st, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 1 · 2025 1 · 2026 1