| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -17.2% | +1.3% | -18.5 pts |
| Share growth (YoY) | -21.5% | +0.9% | -22.5 pts |
| Loan growth (YoY) | -65.3% | -2.6% | -62.7 pts |
| ROA | -0.03% | 0.65% | -0.7 pts |
| ROE | -0.2% | 4.4% | -4.5 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $191K | $152K | $2K | $38K | $-29 | -0.03% | 2.51% | 0.00% | 155 |
| Q1 2026 | $211K | $172K | $2K | $38K | $-151 | -0.29% | 2.17% | 0.00% | 178 |
| Q4 2025 | $229K | $194K | $5K | $35K | $3K | 1.14% | 1.67% | 0.00% | 182 |
| Q3 2025 | $232K | $194K | $5K | $38K | $3K | 1.50% | 2.21% | 0.00% | 182 |
| Q2 2025 | $230K | $194K | $5K | $36K | $1K | 0.88% | 2.26% | 0.00% | 184 |
| Q1 2025 | $231K | $196K | $6K | $35K | $202 | 0.35% | 2.42% | 0.00% | 187 |
| Q4 2024 | $230K | $195K | $7K | $35K | $7K | 2.85% | 2.53% | 6.75% | 205 |
| Q3 2024 | $237K | $203K | $8K | $35K | $6K | 3.31% | 2.47% | 0.00% | 212 |
| Q2 2024 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.03% | 0.65% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 4.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.51% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| $232K |
| $198K |
| $10K |
| $34K |
| $5K |
| 4.23% |
| 2.46% |
| 4.95% |
| 217 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1K · securities $137K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.1% | 80.6% | 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Montgomery, MD, ranked 51st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Montgomery, MD | 1 | $152K* | 0.00% | 51st |
Maryland: 151st with 0.00% · Washington-Arlington-Alexandria metro: 180th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1