| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.9% | +1.3% | +19.6 pts |
| Share growth (YoY) | +21.3% | +0.9% | +20.3 pts |
| Loan growth (YoY) | +18.4% | -2.6% | +21.0 pts |
| ROA | 0.32% | 0.65% | -0.3 pts |
| ROE | 3.6% | 4.4% | -0.7 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.6M | $6.8M | $4.8M | $659K | $12K | 0.32% | 8.63% | 5.40% | 2,527 |
| Q1 2026 | $9.0M | $8.3M | $4.6M | $635K | $-13K | -0.56% | 7.25% | 5.86% | 2,436 |
| Q4 2025 | $8.8M | $8.0M | $4.6M | $647K | $105K | 1.19% | 6.35% | 7.24% | 2,332 |
| Q3 2025 | $10.7M | $10.0M | $4.6M | $630K | $88K | 1.10% | 5.01% | 10.19% | 2,167 |
| Q2 2025 | $6.3M | $5.6M | $4.1M | $640K | $104K | 3.30% | 7.89% | 8.33% | 1,937 |
| Q1 2025 | $5.6M | $5.0M | $3.9M | $629K | $86K | 6.13% | 8.44% | 5.34% | 1,801 |
| Q4 2024 | $4.8M | $4.3M | $3.6M | $543K | $126K | 2.59% | 7.39% | 20.45% | 1,665 |
| Q3 2024 | $3.6M | $3.1M | $3.2M | $476K | $59K | 2.16% | 9.06% | 3.56% | 1,411 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.65% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 8.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.5M | $3.1M | $2.6M | $441K | $24K | 1.35% | 8.37% | 3.44% | 1,268 |
Loan mix (Q2 2026): real estate $173K · commercial $294K · consumer $4.3M · securities $60K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 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.
4 branches in 4 counties across 4 states (+1 vs 2025). Biggest market: Fairfax (City), VA, ranked 31st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fairfax (City), VA | 1 | $1.7M* | 0.03% | 31st |
| Franklin, OH | 1 | $1.7M* | 0.00% | 53rd |
| Queens, NY | 1 | $1.7M* | 0.00% | 70th |
| 1 more county with Pro → | ||||
Virginia: 230th with 0.00% · Texas: 893rd with 0.00% · New York: 447th with 0.00% · Ohio: 391st with 0.00% · New York-Newark-Jersey City metro: 309th, 0.00% · Columbus metro: 85th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 3 · 2026 4