None Suffer Lack Federal Credit Union
Total assets
$28.6M
▲ +7.8% YoY
Shares & deposits
$23.1M
▲ +6.7% YoY
Loans
$2.6M
▲ +10.5% YoY
Members
1,947
▼ -1.8% YoY
ROA (annualized)
1.88%
peers 0.60%
ROE (annualized)
9.81%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +1.3% | +6.5 pts |
| Share growth (YoY) | +6.7% | +0.7% | +6.1 pts |
| Loan growth (YoY) | +10.5% | -2.4% | +12.9 pts |
| ROA | 1.88% | 0.60% | +1.3 pts |
| ROE | 9.8% | 4.1% | +5.7 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
Profile
- Established
- 2001
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 4929 Allentown Rd, Suitland, MD, 20746
- NCUA charter #
- 24657
- RSSD ID
- 3095593
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.6M | $23.1M | $2.6M | $5.5M | $134K | 1.88% | 2.95% | 0.00% | 1,947 |
| Q4 2025 | $27.9M | $22.6M | $2.6M | $5.3M | $542K | 1.94% | 2.79% | 0.00% | 1,950 |
| Q3 2025 | $27.5M | $22.4M | $2.8M | $5.1M | $366K | 1.77% | 2.72% | 0.03% | 1,947 |
| Q2 2025 | $26.7M | $21.7M | $2.5M | $5.0M | $218K | 1.63% | 2.65% | 0.00% | 1,976 |
| Q1 2025 | $26.5M | $21.7M | $2.4M | $4.9M | $110K | 1.65% | 2.49% | 0.00% | 1,983 |
| Q4 2024 | $25.6M | $20.8M | $2.1M | $4.7M | $382K | 1.49% | 2.32% | 0.00% | 1,987 |
| Q3 2024 | $24.8M | $20.2M | $2.1M | $4.6M | $269K | 1.44% | 2.24% | 0.00% | 1,992 |
| Q2 2024 | $24.4M | $19.9M | $2.2M | $4.5M | $149K | 1.22% | 2.08% | 0.21% | 2,028 |
Loan mix (Q1 2026): real estate $135K · commercial $0 · consumer $1.9M · securities $22.9M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.83% | 17th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.6% | 81.5% | 2th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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