| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.5% | +4.1% | -7.6 pts |
| Share growth (YoY) | -5.2% | +3.5% | -8.8 pts |
| Loan growth (YoY) | -3.8% | +2.9% | -6.6 pts |
| ROA | 0.34% | 0.74% | -0.4 pts |
| ROE | 2.9% | 6.5% | -3.6 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $105.5M | $87.9M | $75.2M | $12.3M | $179K | 0.34% | 3.29% | 1.06% | 6,262 |
| Q1 2026 | $107.5M | $87.7M | $77.7M | $12.3M | $164K | 0.61% | 3.24% | 1.09% | 6,661 |
| Q4 2025 | $106.4M | $87.8M | $78.9M | $13.2M | $-155K | -0.15% | 3.47% | 1.82% | 6,837 |
| Q3 2025 | $106.8M | $90.3M | $76.4M | $13.2M | $-179K | -0.22% | 3.55% | 1.86% | 7,117 |
| Q2 2025 | $109.2M | $92.7M | $78.2M | $13.2M | $-35K | -0.06% | 3.51% | 1.63% | 7,117 |
| Q1 2025 | $114.9M | $93.1M | $78.2M | $13.2M | $547 | 0.00% | 3.21% | 1.03% | 7,324 |
| Q4 2024 | $112.4M | $91.1M | $81.7M | $13.2M | $362K | 0.32% | 3.71% | 1.52% | 7,743 |
| Q3 2024 | $109.7M | $88.3M | $84.3M | $13.2M | $287K | 0.35% | 3.84% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.74% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 6.5% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.84% |
| 7,743 |
| Q2 2024 | $113.9M | $92.8M | $83.9M | $13.1M | $257K | 0.45% | 3.72% | 1.72% | 7,975 |
Loan mix (Q2 2026): real estate $35.0M · commercial $23.4M · consumer $16.4M · securities $9.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.1% | 77.5% | 96th |
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 0 counties across 1 state (+0 vs 2025).
| County | Branches | Deposits | Share | Rank |
|---|
Maryland: 95th with 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1