| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.7% | +1.3% | -6.0 pts |
| Share growth (YoY) | -12.2% | +0.9% | -13.2 pts |
| Loan growth (YoY) | -10.6% | -2.6% | -8.0 pts |
| ROA | 2.67% | 0.65% | +2.0 pts |
| ROE | 6.4% | 4.4% | +2.0 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.1M | $624K | $390K | $451K | $14K | 2.67% | 4.39% | 1.55% | 235 |
| Q1 2026 | $1.1M | $621K | $408K | $446K | $10K | 3.62% | 4.56% | 1.27% | 238 |
| Q4 2025 | $1.0M | $610K | $427K | $437K | $36K | 3.46% | 5.01% | 0.78% | 238 |
| Q3 2025 | $1.0M | $611K | $425K | $429K | $28K | 3.65% | 5.34% | 0.00% | 239 |
| Q2 2025 | $1.1M | $710K | $436K | $418K | $17K | 3.05% | 4.94% | 0.12% | 237 |
| Q1 2025 | $1.1M | $723K | $444K | $408K | $8K | 2.66% | 5.04% | 0.18% | 236 |
| Q4 2024 | $1.1M | $700K | $466K | $400K | $38K | 3.44% | 5.24% | 0.70% | 236 |
| Q3 2024 | $1.2M | $765K | $448K | $388K | $26K | 2.99% | 5.03% | 0.00% | 237 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.67% | 0.65% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $1.2M |
| $815K |
| $342K |
| $382K |
| $19K |
| 3.21% |
| 4.78% |
| 0.00% |
| 237 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $319K · securities $425K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.6% | 80.6% | 1st |
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: District of Columbia, DC, ranked 74th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 1 | $624K* | 0.00% | 74th |
District of Columbia: 75th with 0.00% · Washington-Arlington-Alexandria metro: 175th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1