| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.1% | -1.9 pts |
| Share growth (YoY) | +2.2% | +3.5% | -1.4 pts |
| Loan growth (YoY) | -1.4% | +2.9% | -4.3 pts |
| ROA | 1.16% | 0.74% | +0.4 pts |
| ROE | 6.0% | 6.5% | -0.4 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $142.3M | $114.1M | $91.1M | $27.3M | $824K | 1.16% | 4.97% | 1.59% | 16,525 |
| Q1 2026 | $141.4M | $113.2M | $87.5M | $26.7M | $281K | 0.80% | 4.99% | 1.64% | 17,055 |
| Q4 2025 | $140.4M | $112.5M | $89.5M | $26.4M | $694K | 0.49% | 5.43% | 2.10% | 17,457 |
| Q3 2025 | $137.9M | $111.1M | $88.7M | $26.1M | $64K | 0.06% | 5.56% | 2.02% | 20,073 |
| Q2 2025 | $139.3M | $111.6M | $92.4M | $26.1M | $115K | 0.17% | 5.50% | 2.65% | 20,020 |
| Q1 2025 | $139.9M | $112.3M | $95.8M | $26.2M | $165K | 0.47% | 5.43% | 2.62% | 19,916 |
| Q4 2024 | $134.8M | $107.4M | $100.4M | $26.0M | $-787K | -0.58% | 5.88% | 2.61% | 19,779 |
| Q3 2024 | $136.3M | $108.1M | $104.4M | $26.9M | $-169K | -0.17% | 5.78% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.74% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 6.5% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 2.57% |
| 20,191 |
| Q2 2024 | $142.0M | $111.7M | $105.8M | $26.8M | $-298K | -0.42% | 5.50% | 2.82% | 20,191 |
Loan mix (Q2 2026): real estate $17.8M · commercial $11.8M · consumer $61.0M · securities $7.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 77.5% | 48th |
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.
3 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Howard, MD, ranked 19th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Howard, MD | 2 | $76.0M* | 0.61% | 19th |
| Greenville, SC | 1 | $38.0M* | 0.18% | 46th |
Maryland: 99th with 0.03% · South Carolina: 114th with 0.02% · Baltimore-Columbia-Towson metro: 51st, 0.06% · Greenville-Anderson-Greer metro: 50th, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 3 · 2025 3 · 2026 3