| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +1.3% | +7.3 pts |
| Share growth (YoY) | +16.7% | +0.9% | +15.7 pts |
| Loan growth (YoY) | -5.3% | -2.6% | -2.7 pts |
| ROA | 0.74% | 0.65% | +0.1 pts |
| ROE | 7.2% | 4.4% | +2.8 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.0M | $3.5M | $1.4M | $408K | $15K | 0.74% | 2.95% | 0.00% | 626 |
| Q1 2026 | $3.8M | $3.4M | $1.3M | $404K | $10K | 1.04% | 3.10% | 0.05% | 624 |
| Q4 2025 | $3.6M | $3.2M | $1.3M | $394K | $52K | 1.43% | 3.64% | 0.05% | 615 |
| Q3 2025 | $3.4M | $3.0M | $1.4M | $382K | $40K | 1.55% | 3.92% | 0.54% | 611 |
| Q2 2025 | $3.7M | $3.0M | $1.4M | $369K | $27K | 1.49% | 3.84% | 0.52% | 605 |
| Q1 2025 | $4.2M | $3.8M | $1.6M | $355K | $13K | 1.21% | 3.35% | 0.00% | 600 |
| Q4 2024 | $4.0M | $3.6M | $1.6M | $342K | $65K | 1.62% | 3.55% | 0.00% | 593 |
| Q3 2024 | $4.0M | $3.6M | $1.6M | $327K | $50K | 1.66% | 3.58% | 0.00% | 588 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.65% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $3.8M | $3.4M | $1.6M | $307K | $30K | 1.60% | 3.76% | 0.00% | 580 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.3M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 80.6% | 61st |
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: Anne Arundel, MD, ranked 32nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Anne Arundel, MD | 1 | $3.5M* | 0.02% | 32nd |
Maryland: 144th with 0.00% · Baltimore-Columbia-Towson metro: 64th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1