| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -16.1% | +1.3% | -17.3 pts |
| Share growth (YoY) | -16.9% | +0.9% | -17.8 pts |
| Loan growth (YoY) | -28.0% | -2.6% | -25.4 pts |
| ROA | -1.68% | 0.65% | -2.3 pts |
| ROE | -15.2% | 4.4% | -19.6 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.7M | $1.5M | $716K | $192K | $-15K | -1.68% | 3.52% | 0.00% | 290 |
| 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 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.68% | 0.65% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | -15.2% | 4.4% | 3rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.0M | $1.8M | $1.2M | $220K | $-22K | -2.16% | 3.09% | 0.00% | 334 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $716K · securities $409K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 151.9% | 80.6% | 98th |
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: Montgomery, MD, ranked 50th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, MD | 1 | $1.5M* | 0.00% | 50th |
Maryland: 150th with 0.00% · Washington-Arlington-Alexandria metro: 166th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1