| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -1.1% | +0.9% | -2.0 pts |
| Loan growth (YoY) | +5.7% | -2.6% | +8.3 pts |
| ROA | 1.14% | 0.65% | +0.5 pts |
| ROE | 6.5% | 4.4% | +2.2 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78K | $63K | $22K | $14K | $444 | 1.14% | 2.15% | 0.00% | 51 |
| Q1 2026 | $76K | $62K | $18K | $13K | $196 | 1.03% | 2.12% | 11.00% | 51 |
| Q4 2025 | $77K | $63K | $20K | $13K | $714 | 0.93% | 2.11% | 0.00% | 51 |
| Q3 2025 | $79K | $66K | $21K | $13K | $704 | 1.19% | 2.23% | 0.00% | 52 |
| Q2 2025 | $78K | $64K | $21K | $13K | $566 | 1.46% | 2.47% | 0.00% | 51 |
| Q1 2025 | $76K | $63K | $23K | $13K | $315 | 1.66% | 2.61% | 0.00% | 51 |
| Q4 2024 | $73K | $60K | $20K | $12K | $279 | 0.38% | 1.72% | 0.00% | 51 |
| Q3 2024 | $72K | $59K | $22K | $12K | $162 | 0.30% | 1.58% | 0.00% | 53 |
| Q2 2024 |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.65% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.15% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| $77K |
| $64K |
| $16K |
| $12K |
| $-37 |
| -0.10% |
| 1.27% |
| 0.00% |
| 57 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $22K · securities $9K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.3% | 80.6% | 5th |
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 78th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 1 | $63K* | 0.00% | 78th |
District of Columbia: 79th with 0.00% · Washington-Arlington-Alexandria metro: 184th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1