| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +6.7% | -0.1 pts |
| Share growth (YoY) | +7.4% | +6.4% | +1.0 pts |
| Loan growth (YoY) | +6.2% | +7.2% | -1.0 pts |
| ROA | 1.38% | 0.87% | +0.5 pts |
| ROE | 11.9% | 9.2% | +2.7 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $204.36B | $173.36B | $146.33B | $23.80B | $1.41B | 1.38% | 4.89% | 1.58% | 15,517,448 |
| Q1 2026 | $203.56B | $173.18B | $143.35B | $23.14B | $751.2M | 1.48% | 4.86% | 1.50% | 15,350,733 |
| Q4 2025 | $197.17B | $166.56B | $142.62B | $22.39B | $1.91B | 0.97% | 4.77% | 1.97% | 15,139,001 |
| Q3 2025 | $194.18B | $163.66B | $140.19B | $22.56B | $1.47B | 1.01% | 4.78% | 1.62% | 14,998,804 |
| Q2 2025 | $191.78B | $161.45B | $137.81B | $22.01B | $924.4M | 0.96% | 4.77% | 1.57% | 14,753,892 |
| Q1 2025 | $190.24B | $160.09B | $135.28B | $21.58B | $488.9M | 1.03% | 4.73% | 1.43% | 14,524,529 |
| Q4 2024 | $180.81B | $151.84B | $134.83B | $21.09B | $1.71B | 0.94% | 4.69% | 1.69% | 14,266,170 |
| Q3 2024 | $180.81B | $150.13B | $131.92B | $21.49B | $1.49B |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 0.87% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 9.2% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.13% |
Peer lists, growth filters, CSV export, CRM push.
| 1.10% |
| 4.63% |
| 1.67% |
| 14,045,179 |
| Q2 2024 | $177.69B | $148.65B | $128.77B | $21.00B | $991.1M | 1.12% | 4.66% | 1.56% | 13,768,499 |
Loan mix (Q2 2026): real estate $68.76B · commercial $976.1M · consumer $73.70B · securities $40.46B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.2% | 61.1% | 29th |
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.
386 branches in 151 counties across 33 states (+19 vs 2025). Biggest market: San Diego, CA, ranked 5th with 7.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| San Diego, CA | 27 | $12.13B* | 7.14% | 5th |
| Virginia Beach (City), VA | 12 | $5.39B* | 30.75% | 1st |
| Fairfax, VA | 10 | $4.49B* | 3.47% | 6th |
| 148 more counties with Pro → | ||||
Virginia: 5th with 7.45% · California: 11th with 1.13% · Texas: 13th with 1.01% · Florida: 17th with 1.56% · Georgia: 7th with 2.80% · Maryland: 6th with 4.56% · North Carolina: 12th with 0.92% · Washington: 12th with 1.93% · Arizona: 11th with 1.47% · South Carolina: 10th with 2.26% · Illinois: 38th with 0.34% · Colorado: 20th with 1.15% · Hawaii: 7th with 2.97% · Mississippi: 9th with 2.45% · Kansas: 12th with 1.52% · New York: 74th with 0.06% · Pennsylvania: 48th with 0.28% · Tennessee: 26th with 0.61% · Nevada: 10th with 1.35% · Ohio: 35th with 0.22% · Kentucky: 23rd with 0.94% · Connecticut: 24th with 0.68% · Oklahoma: 22nd with 0.80% · District of Columbia: 12th with 1.87% · New Jersey: 44th with 0.19% · Missouri: 54th with 0.30% · Louisiana: 28th with 0.58% · Alabama: 40th with 0.50% · New Mexico: 22nd with 1.39% · Michigan: 90th with 0.11% · GU: 6th with 7.02% · Nebraska: 50th with 0.43% · Rhode Island: 17th with 0.82% · Washington-Arlington-Alexandria metro: 5th, 5.12% · Virginia Beach-Chesapeake-Norfolk metro: 1st, 25.78% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 337 · 2023 353 · 2024 363 · 2025 367 · 2026 386
Ranked #1492 of 1,531 lenders in FY2021 — an active SBA 7(a) lender, down 67% on FY2020.
Year-by-year volume and rank, loan size and pricing, top states and industries, and charge-offs by vintage are part of CharterBench Pro.
7(a) approvals net of cancellations, attributed to the lender named in the SBA’s file. 504 loans are made through certified development companies and are not included. All SBA lenders →
Ranked #23 of 4,653 mortgage lenders in 2025.
Approval rates, pricing, purchase vs. refinance, HELOCs, government lending, how much it sells vs. keeps, top states and the year-by-year trend are part of CharterBench Pro.
Home Mortgage Disclosure Act data (CFPB). Includes mortgage subsidiaries that the Philadelphia Fed’s HMDA Lender File ties to this institution. Small lenders below the HMDA reporting thresholds do not file. All mortgage lenders →