| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.1% | -2.7 pts |
| Share growth (YoY) | +0.1% | +3.5% | -3.4 pts |
| Loan growth (YoY) | -7.6% | +2.9% | -10.5 pts |
| ROA | 0.32% | 0.74% | -0.4 pts |
| ROE | 2.3% | 6.5% | -4.2 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $325.8M | $273.1M | $150.6M | $46.7M | $526K | 0.32% | 2.71% | 0.64% | 6,902 |
| Q1 2026 | $325.8M | $273.5M | $153.4M | $46.5M | $347K | 0.43% | 2.69% | 0.64% | 6,977 |
| Q4 2025 | $322.9M | $271.0M | $154.3M | $46.1M | $801K | 0.25% | 2.74% | 0.47% | 7,051 |
| Q3 2025 | $321.0M | $271.3M | $158.6M | $45.8M | $272K | 0.11% | 2.71% | 1.44% | 7,084 |
| Q2 2025 | $321.3M | $272.8M | $163.0M | $45.6M | $648 | 0.00% | 2.57% | 0.79% | 7,221 |
| Q1 2025 | $321.6M | $273.3M | $168.9M | $45.3M | $-313K | -0.39% | 2.53% | 0.53% | 7,740 |
| Q4 2024 | $321.3M | $273.5M | $173.3M | $45.6M | $369K | 0.11% | 2.54% | 0.56% | 7,828 |
| Q3 2024 | $341.1M | $272.3M | $169.0M | $45.8M | $399K | 0.16% | 2.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.74% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 6.5% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 8,182 |
| Q2 2024 | $331.0M | $270.0M | $172.8M | $45.7M | $248K | 0.15% | 2.47% | 0.51% | 8,155 |
Loan mix (Q2 2026): real estate $135.9M · commercial $0 · consumer $13.5M · securities $128.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 77.5% | 78th |
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 2025). Biggest market: District of Columbia, DC, ranked 39th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 1 | $136.6M* | 0.19% | 39th |
| Arlington, VA | 1 | $136.6M* | 1.09% | 20th |
District of Columbia: 39th with 0.19% · Virginia: 127th with 0.03% · Washington-Arlington-Alexandria metro: 72nd, 0.08% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2