| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +2.1% | +0.9% | +1.1 pts |
| Loan growth (YoY) | +20.0% | -2.6% | +22.7 pts |
| ROA | 0.52% | 0.65% | -0.1 pts |
| ROE | 6.8% | 4.4% | +2.5 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.9M | $27.0M | $18.8M | $2.3M | $78K | 0.52% | 4.42% | 0.75% | 2,939 |
| Q1 2026 | $30.2M | $27.4M | $18.2M | $2.2M | $30K | 0.40% | 4.29% | 1.24% | 2,892 |
| Q4 2025 | $29.2M | $26.4M | $17.9M | $2.2M | $130K | 0.45% | 4.52% | 1.41% | 2,876 |
| Q3 2025 | $29.0M | $26.3M | $17.1M | $2.1M | $67K | 0.31% | 4.53% | 0.76% | 2,838 |
| Q2 2025 | $29.0M | $26.5M | $15.7M | $2.1M | $52K | 0.36% | 4.49% | 0.73% | 2,816 |
| Q1 2025 | $28.9M | $26.3M | $14.8M | $2.1M | $39K | 0.54% | 4.49% | 0.85% | 2,781 |
| Q4 2024 | $28.4M | $26.3M | $13.6M | $2.1M | $102K | 0.36% | 4.38% | 1.00% | 2,748 |
| Q3 2024 | $28.2M | $25.8M | $12.9M | $2.0M | $40K | 0.19% | 4.33% | 1.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.65% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.4% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,725 |
| Q2 2024 | $29.1M | $26.7M | $12.2M | $2.0M | $31K | 0.22% | 4.10% | 1.50% | 2,673 |
Loan mix (Q2 2026): real estate $1.7M · commercial $0 · consumer $16.0M · securities $7.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.0% | 80.6% | 72nd |
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 0 counties across 1 state (+0 vs 2025).
| County | Branches | Deposits | Share | Rank |
|---|
Maryland: 123rd with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1