Fedfinancial Federal Credit Union
Total assets
$77.7M
▼ -0.8% YoY
Shares & deposits
$70.4M
▼ -1.2% YoY
Loans
$22.9M
▼ -1.8% YoY
Members
3,671
▼ -5.8% YoY
ROA (annualized)
0.33%
peers 0.60%
ROE (annualized)
3.85%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -1.2% | +0.7% | -1.9 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.6 pts |
| ROA | 0.33% | 0.60% | -0.3 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 10903 New Hampshire Avenue Bldg 2, Silver Spring, MD, 20903
- NCUA charter #
- 216
- RSSD ID
- 544474
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $77.7M | $70.4M | $22.9M | $6.8M | $65K | 0.33% | 3.62% | 1.64% | 3,671 |
| Q4 2025 | $76.6M | $69.3M | $23.8M | $6.7M | $233K | 0.30% | 3.51% | 1.12% | 3,685 |
| Q3 2025 | $76.5M | $69.3M | $23.0M | $6.6M | $106K | 0.19% | 3.47% | 0.58% | 3,879 |
| Q2 2025 | $78.0M | $71.0M | $22.7M | $6.5M | $41K | 0.11% | 3.32% | 0.73% | 3,879 |
| Q1 2025 | $78.3M | $71.3M | $23.3M | $6.5M | $-8K | -0.04% | 3.20% | 0.85% | 3,896 |
| Q4 2024 | $75.4M | $68.4M | $23.8M | $6.5M | $73K | 0.10% | 3.12% | 1.44% | 3,921 |
| Q3 2024 | $74.8M | $68.0M | $24.4M | $6.5M | $49K | 0.09% | 3.12% | 1.23% | 4,004 |
| Q2 2024 | $78.3M | $70.8M | $24.8M | $6.5M | $76K | 0.19% | 2.92% | 0.35% | 4,009 |
Loan mix (Q1 2026): real estate $16.5M · commercial $0 · consumer $6.3M · securities $47.7M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.83% | 41th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.3% | 81.5% | 64th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Transit Employees Federal Credit UnionGreenbelt, MD · $94.6M
- Washington County Teachers Federal Credit UnionHagerstown, MD · $96.0M
- Metro Federal Credit UnionArlington Heigh, IL · $78.7M
- Cove Federal Credit UnionEdgewood, KY · $78.8M
- Bay Cities Credit UnionHayward, CA · $78.8M
- Castparts Employees Federal Credit UnionPortland, OR · $78.9M
Selling to Fedfinancial Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.