| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.4% | +1.3% | -4.7 pts |
| Share growth (YoY) | -4.2% | +0.9% | -5.2 pts |
| Loan growth (YoY) | -3.7% | -2.6% | -1.0 pts |
| ROA | 0.43% | 0.65% | -0.2 pts |
| ROE | 5.0% | 4.4% | +0.6 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $71.5M | $66.1M | $39.0M | $6.1M | $153K | 0.43% | 3.65% | 1.20% | 4,040 |
| Q1 2026 | $74.6M | $68.3M | $39.3M | $6.0M | $87K | 0.47% | 3.53% | 1.27% | 4,087 |
| Q4 2025 | $71.9M | $66.2M | $39.2M | $6.0M | $128K | 0.18% | 3.27% | 1.36% | 4,156 |
| Q3 2025 | $72.3M | $67.0M | $39.5M | $5.9M | $61K | 0.11% | 3.13% | 0.90% | 4,210 |
| Q2 2025 | $74.0M | $69.0M | $40.5M | $5.9M | $41K | 0.11% | 3.07% | 0.98% | 4,264 |
| Q1 2025 | $74.3M | $69.4M | $40.9M | $5.9M | $34K | 0.18% | 3.09% | 1.05% | 4,318 |
| Q4 2024 | $70.7M | $65.8M | $41.5M | $5.9M | $157K | 0.22% | 3.23% | 0.91% | 4,372 |
| Q3 2024 | $73.7M | $66.7M | $42.3M | $5.8M | $99K | 0.18% | 3.06% | 0.53% |
| Ratio | Ep Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.65% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,473 |
| Q2 2024 | $75.0M | $68.3M | $42.6M | $5.8M | $60K | 0.16% | 2.98% | 0.18% | 4,475 |
Loan mix (Q2 2026): real estate $26.8M · commercial $0 · consumer $11.8M · securities $23.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.1% | 80.6% | 63rd |
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 | Ep 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 | Ep Federal Credit Union | 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 | Ep 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 | Ep 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 | Ep 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.
3 branches in 2 counties across 2 states (-1 vs 2025). Biggest market: District of Columbia, DC, ranked 54th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 2 | $44.1M* | 0.06% | 54th |
| Tarrant, TX | 1 | $22.0M* | 0.03% | 96th |
District of Columbia: 54th with 0.06% · Texas: 717th with 0.00% · Washington-Arlington-Alexandria metro: 122nd, 0.01% · Dallas-Fort Worth-Arlington metro: 231st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 3