| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.5 pts |
| Share growth (YoY) | +3.8% | +0.9% | +2.8 pts |
| Loan growth (YoY) | -38.1% | -2.6% | -35.5 pts |
| ROA | -1.36% | 0.65% | -2.0 pts |
| ROE | -7.0% | 4.4% | -11.4 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.8M | $4.6M | $405K | $1.1M | $-39K | -1.36% | 0.92% | 8.00% | 1,404 |
| Q1 2026 | $5.8M | $4.7M | $472K | $1.2M | $-6K | -0.40% | 2.23% | 13.65% | 1,417 |
| Q4 2025 | $5.7M | $4.5M | $562K | $1.1M | $58K | 1.02% | 3.43% | 13.68% | 1,434 |
| Q3 2025 | $5.6M | $4.5M | $603K | $1.1M | $34K | 0.80% | 2.93% | 9.20% | 1,442 |
| Q2 2025 | $5.6M | $4.5M | $654K | $1.1M | $-18K | -0.66% | 1.60% | 9.23% | 1,466 |
| Q1 2025 | $5.6M | $4.6M | $666K | $1.1M | $-46K | -3.23% | -1.05% | 7.16% | 1,474 |
| Q4 2024 | $5.7M | $4.6M | $740K | $1.1M | $-22K | -0.38% | 1.80% | 7.41% | 1,542 |
| Q3 2024 | $5.7M | $4.6M | $812K | $1.1M | $-19K | -0.45% | 1.81% | 7.85% | 1,564 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.36% | 0.65% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | -7.0% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.92% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.8M | $4.7M | $845K | $1.1M | $-12K | -0.40% | 1.75% | 5.45% | 1,615 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $403K · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 242.6% | 80.6% | 99th |
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.
4 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Baltimore (City), MD, ranked 27th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Baltimore (City), MD | 2 | $2.3M* | 0.01% | 27th |
| Fairfax (City), VA | 2 | $2.3M* | 0.04% | 27th |
Maryland: 148th with 0.00% · Virginia: 224th with 0.00% · Washington-Arlington-Alexandria metro: 159th, 0.00% · Baltimore-Columbia-Towson metro: 65th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4