| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +1.3% | -1.9 pts |
| Share growth (YoY) | -2.8% | +0.7% | -3.5 pts |
| Loan growth (YoY) | -7.9% | -2.4% | -5.5 pts |
| ROA | 2.15% | 0.60% | +1.5 pts |
| ROE | 11.2% | 4.1% | +7.1 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.9M | $24.1M | $10.6M | $5.7M | $160K | 2.15% | 3.87% | 0.92% | 3,035 |
| Q4 2025 | $28.8M | $23.2M | $11.0M | $5.6M | $531K | 1.84% | 4.26% | 0.58% | 3,050 |
| Q3 2025 | $28.0M | $22.5M | $11.7M | $5.5M | $448K | 2.13% | 4.47% | 0.44% | 3,603 |
| Q2 2025 | $30.3M | $24.9M | $12.2M | $5.3M | $308K | 2.04% | 4.13% | 0.45% | 3,625 |
| Q1 2025 | $30.1M | $24.8M | $11.5M | $5.2M | $163K | 2.17% | 4.15% | 0.09% | 3,097 |
| Q4 2024 | $28.9M | $23.8M | $12.3M | $5.0M | $461K | 1.60% | 3.96% | 0.09% | 3,106 |
| Q3 2024 | $28.4M | $23.4M | $12.7M | $5.0M | $393K | 1.85% | 4.06% | 0.11% | 3,115 |
| Q2 2024 | $30.6M | $25.8M | $12.5M | $4.8M | $265K | 1.73% | 3.68% | 0.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.15% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,130 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $10.5M · securities $11.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.8% | 81.5% | 5th |
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 2024). Biggest market: Frederick, MD, ranked 19th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Frederick, MD | 1 | $24.9M* | 0.32% | 19th |
Maryland: 122nd with 0.01% · Washington-Arlington-Alexandria metro: 136th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1