| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -2.3% | +0.9% | -3.3 pts |
| Loan growth (YoY) | -1.2% | -2.6% | +1.4 pts |
| ROA | 0.48% | 0.65% | -0.2 pts |
| ROE | 5.3% | 4.4% | +0.9 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $76.8M | $69.3M | $22.5M | $6.9M | $183K | 0.48% | 3.65% | 0.82% | 3,658 |
| 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% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,004 |
| Q2 2024 | $78.3M | $70.8M | $24.8M | $6.5M | $76K | 0.19% | 2.92% | 0.35% | 4,009 |
Loan mix (Q2 2026): real estate $16.2M · commercial $0 · consumer $6.2M · securities $48.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.4% | 80.6% | 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% |
| 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: Montgomery, MD, ranked 35th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, MD | 2 | $69.3M* | 0.11% | 35th |
Maryland: 102nd with 0.03% · Washington-Arlington-Alexandria metro: 111th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2