| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +2.9% | +0.9% | +1.9 pts |
| Loan growth (YoY) | +2.6% | -2.6% | +5.2 pts |
| ROA | 2.07% | 0.65% | +1.4 pts |
| ROE | 10.3% | 4.4% | +5.9 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.9M | $22.3M | $2.6M | $5.6M | $289K | 2.07% | 3.08% | 0.12% | 1,950 |
| 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% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.07% | 0.65% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,992 |
| Q2 2024 | $24.4M | $19.9M | $2.2M | $4.5M | $149K | 1.22% | 2.08% | 0.21% | 2,028 |
Loan mix (Q2 2026): real estate $132K · commercial $0 · consumer $2.0M · securities $22.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.1% | 80.6% | 2nd |
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 0 counties across 1 state (+0 vs 2025).
| County | Branches | Deposits | Share | Rank |
|---|
Maryland: 127th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1