| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.3% | +1.3% | -11.6 pts |
| Share growth (YoY) | -12.4% | +0.7% | -13.1 pts |
| Loan growth (YoY) | -11.7% | -2.4% | -9.3 pts |
| ROA | -0.24% | 0.60% | -0.8 pts |
| ROE | -1.1% | 4.1% | -5.2 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.0M | $8.5M | $3.3M | $2.3M | $-6K | -0.24% | 3.24% | 0.09% | 790 |
| Q4 2025 | $9.9M | $8.4M | $3.5M | $2.3M | $-12K | -0.12% | 3.37% | 0.25% | 794 |
| Q3 2025 | $10.1M | $8.6M | $3.5M | $2.3M | $-22K | -0.29% | 3.17% | 0.72% | 806 |
| Q2 2025 | $10.4M | $8.6M | $3.6M | $2.3M | $-12K | -0.23% | 3.21% | 0.86% | 823 |
| Q1 2025 | $11.1M | $9.6M | $3.7M | $2.3M | $798 | 0.03% | 2.83% | 0.86% | 829 |
| Q4 2024 | $10.8M | $9.4M | $4.0M | $2.3M | $4K | 0.04% | 3.20% | 0.83% | 841 |
| Q3 2024 | $11.6M | $9.9M | $4.1M | $2.3M | $37K | 0.43% | 3.00% | 0.81% | 855 |
| Q2 2024 | $11.4M | $9.9M | $4.1M | $2.3M | $18K | 0.32% | 3.03% | 0.28% | 865 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.24% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -1.1% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $809K · commercial $0 · consumer $2.0M · securities $6.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.0% | 81.5% | 88th |
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.
2 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Frederick, VA, ranked 8th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Frederick, VA | 2 | $8.6M* | 0.65% | 8th |
Virginia: 201st with 0.00% · Winchester metro: 18th, 0.21% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2