| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.8% | +1.3% | -6.1 pts |
| Share growth (YoY) | -5.4% | +0.7% | -6.0 pts |
| Loan growth (YoY) | -15.1% | -2.4% | -12.7 pts |
| ROA | -0.47% | 0.60% | -1.1 pts |
| ROE | -1.7% | 4.1% | -5.8 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.2M | $3.0M | $2.6M | $1.1M | $-5K | -0.47% | 5.74% | 5.86% | 747 |
| Q4 2025 | $4.2M | $3.0M | $2.7M | $1.1M | $9K | 0.22% | 6.11% | 5.53% | 745 |
| Q3 2025 | $4.0M | $2.8M | $2.8M | $1.2M | $15K | 0.50% | 6.37% | 2.73% | 747 |
| Q2 2025 | $4.5M | $3.3M | $2.9M | $1.2M | $22K | 1.00% | 5.80% | 2.25% | 746 |
| Q1 2025 | $4.4M | $3.2M | $3.1M | $1.1M | $10K | 0.86% | 5.92% | 2.13% | 790 |
| Q4 2024 | $4.3M | $3.2M | $3.0M | $1.1M | $38K | 0.89% | 5.67% | 2.45% | 787 |
| Q3 2024 | $4.3M | $3.2M | $3.1M | $1.1M | $40K | 1.23% | 5.62% | 1.62% | 785 |
| Q2 2024 | $4.0M | $2.8M | $3.0M | $1.1M | $26K | 1.31% | 6.02% | 2.15% | 789 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.47% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -1.7% | 4.1% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.74% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.5M · securities $669K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.8% | 81.5% | 85th |
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.
2 branches in 2 counties across 2 states (+0 vs 2024). Biggest market: Fairfax (City), VA, ranked 21st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fairfax (City), VA | 1 | $1.7M* | 0.03% | 21st |
| Harris, TX | 1 | $1.7M* | 0.00% | 157th |
Texas: 862nd with 0.00% · Virginia: 220th with 0.00% · Houston-Pasadena-The Woodlands metro: 191st, 0.00% · Washington-Arlington-Alexandria metro: 155th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2