| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -1.6% | +0.9% | -2.6 pts |
| Loan growth (YoY) | -5.5% | -2.6% | -2.8 pts |
| ROA | 0.78% | 0.65% | +0.1 pts |
| ROE | 7.0% | 4.4% | +2.6 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.0M | $22.1M | $15.4M | $2.8M | $98K | 0.78% | 5.73% | 2.76% | 4,062 |
| Q1 2026 | $25.2M | $22.4M | $15.5M | $2.8M | $66K | 1.05% | 5.72% | 3.21% | 3,906 |
| Q4 2025 | $24.9M | $22.1M | $15.8M | $2.7M | $180K | 0.72% | 5.82% | 2.15% | 3,891 |
| Q3 2025 | $25.0M | $22.2M | $16.0M | $2.7M | $159K | 0.85% | 5.74% | 1.12% | 3,976 |
| Q2 2025 | $25.2M | $22.5M | $16.3M | $2.6M | $111K | 0.88% | 5.63% | 1.89% | 3,956 |
| Q1 2025 | $25.6M | $22.9M | $16.3M | $2.6M | $80K | 1.25% | 5.47% | 1.45% | 3,946 |
| Q4 2024 | $24.7M | $22.2M | $16.6M | $2.5M | $101K | 0.41% | 5.15% | 1.74% | 3,934 |
| Q3 2024 | $25.2M | $22.6M | $16.1M | $2.6M | $113K | 0.60% | 4.95% | 1.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.65% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,020 |
| Q2 2024 | $25.5M | $23.0M | $16.0M | $2.5M | $48K | 0.38% | 4.68% | 0.73% | 4,003 |
Loan mix (Q2 2026): real estate $1.5M · commercial $0 · consumer $13.6M · securities $6.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 80.6% | 60th |
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 2025). Biggest market: Howard, MD, ranked 24th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Howard, MD | 1 | $22.1M* | 0.18% | 24th |
Maryland: 128th with 0.01% · Baltimore-Columbia-Towson metro: 61st, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1