Korean Catholic Federal Credit Union
Total assets
$1.9M
▼ -9.2% YoY
Shares & deposits
$1.7M
▼ -9.5% YoY
Loans
$773K
▼ -30.5% YoY
Members
299
▼ -15.8% YoY
ROA (annualized)
-0.99%
peers 0.60%
ROE (annualized)
-9.39%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -9.2% | +1.3% | -10.5 pts |
| Share growth (YoY) | -9.5% | +0.7% | -10.2 pts |
| Loan growth (YoY) | -30.5% | -2.4% | -28.2 pts |
| ROA | -0.99% | 0.60% | -1.6 pts |
| ROE | -9.4% | 4.1% | -13.5 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
Profile
- Established
- 1977
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 1
- Address
- 17615 Old Baltimore Rd, Olney, MD, 20832
- NCUA charter #
- 22700
- RSSD ID
- 326081
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.9M | $1.7M | $773K | $202K | $-5K | -0.99% | 3.24% | 0.00% | 299 |
| Q4 2025 | $2.0M | $1.8M | $896K | $207K | $-3K | -0.17% | 3.03% | 0.00% | 304 |
| Q3 2025 | $2.0M | $1.7M | $930K | $220K | $10K | 0.70% | 3.17% | 0.00% | 311 |
| Q2 2025 | $2.1M | $1.8M | $996K | $221K | $11K | 1.03% | 3.03% | 0.00% | 337 |
| Q1 2025 | $2.1M | $1.9M | $1.1M | $223K | $13K | 2.51% | 2.76% | 0.00% | 355 |
| Q4 2024 | $2.1M | $1.8M | $1.2M | $210K | $-32K | -1.55% | 3.17% | 0.00% | 342 |
| Q3 2024 | $2.1M | $1.8M | $1.2M | $212K | $-30K | -1.94% | 3.17% | 0.00% | 342 |
| Q2 2024 | $2.0M | $1.8M | $1.2M | $220K | $-22K | -2.16% | 3.09% | 0.00% | 334 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $773K · securities $559K
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.99% | 0.60% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | -9.4% | 4.1% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.83% | 26th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 136.9% | 81.5% | 96th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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