| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +3.9% | -6.5 pts |
| Share growth (YoY) | -3.3% | +3.3% | -6.6 pts |
| Loan growth (YoY) | -4.6% | +2.9% | -7.6 pts |
| ROA | 0.13% | 0.69% | -0.6 pts |
| ROE | 1.2% | 5.9% | -4.7 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $191.9M | $170.8M | $143.3M | $19.9M | $60K | 0.13% | 3.18% | 0.66% | 14,636 |
| Q4 2025 | $190.3M | $169.4M | $145.0M | $19.8M | $435K | 0.23% | 3.24% | 0.95% | 14,715 |
| Q3 2025 | $189.9M | $169.6M | $148.5M | $19.7M | $203K | 0.14% | 3.23% | 0.47% | 15,076 |
| Q2 2025 | $190.2M | $169.8M | $149.6M | $19.6M | $125K | 0.13% | 3.21% | 0.72% | 14,923 |
| Q1 2025 | $197.0M | $176.7M | $150.2M | $19.6M | $73K | 0.15% | 2.93% | 0.65% | 14,793 |
| Q4 2024 | $196.0M | $176.4M | $151.0M | $19.5M | $475K | 0.24% | 2.62% | 0.57% | 14,677 |
| Q3 2024 | $200.6M | $182.1M | $157.4M | $18.8M | $-352K | -0.23% | 2.64% | 0.35% | 14,809 |
| Q2 2024 | $206.6M | $192.0M | $159.0M | $19.0M | $-183K | -0.18% | 2.57% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 0.69% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 5.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.53% |
| 14,851 |
Loan mix (Q1 2026): real estate $87.2M · commercial $6.3M · consumer $44.2M · securities $13.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.6% | 78.7% | 90th |
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.
7 branches in 5 counties across 2 states (+0 vs 2024). Biggest market: Roanoke (City), VA, ranked 12th with 1.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Roanoke (City), VA | 2 | $48.5M* | 1.02% | 12th |
| District of Columbia, DC | 1 | $24.3M* | 0.03% | 68th |
| Fairfax, VA | 1 | $24.3M* | 0.02% | 54th |
| 2 more counties with Pro → | ||||
Virginia: 124th with 0.04% · District of Columbia: 69th with 0.03% · Washington-Arlington-Alexandria metro: 109th, 0.02% · Roanoke metro: 21st, 0.41% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 8 · 2024 7 · 2025 7