| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +1.3% | +8.6 pts |
| Share growth (YoY) | +13.5% | +0.9% | +12.6 pts |
| Loan growth (YoY) | +12.4% | -2.6% | +15.0 pts |
| ROA | -0.45% | 0.65% | -1.1 pts |
| ROE | -2.1% | 4.4% | -6.5 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $780K | $609K | $57K | $171K | $-2K | -0.45% | 2.47% | 0.00% | 100 |
| Q1 2026 | $748K | $574K | $39K | $173K | $272 | 0.15% | 3.02% | 0.00% | 102 |
| Q4 2025 | $742K | $569K | $44K | $172K | $5K | 0.71% | 3.52% | 0.00% | 102 |
| Q3 2025 | $746K | $567K | $49K | $178K | $11K | 1.93% | 3.45% | 0.00% | 102 |
| Q2 2025 | $710K | $536K | $50K | $173K | $6K | 1.55% | 3.26% | 0.00% | 103 |
| Q1 2025 | $708K | $537K | $47K | $170K | $3K | 1.44% | 2.97% | 0.00% | 106 |
| Q4 2024 | $698K | $530K | $43K | $167K | $9K | 1.35% | 3.02% | 2.57% | 107 |
| Q3 2024 | $673K | $508K | $40K | $164K | $7K | 1.30% | 3.22% | 3.36% | 108 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.45% | 0.65% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | -2.1% | 4.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.47% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $680K |
| $517K |
| $49K |
| $162K |
| $4K |
| 1.28% |
| 3.41% |
| 0.84% |
| 112 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $48K · securities $535K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 118.4% | 80.6% | 95th |
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 2 counties across 2 states (+1 vs 2025). Biggest market: Fairfax (City), VA, ranked 41st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fairfax (City), VA | 1 | $304K* | 0.00% | 41st |
| Philadelphia, PA | 1 | $304K* | 0.00% | 61st |
Virginia: 245th with 0.00% · Pennsylvania: 439th with 0.00% · Washington-Arlington-Alexandria metro: 177th, 0.00% · Philadelphia-Camden-Wilmington metro: 168th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2