| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +8.2% | +0.7% | +7.5 pts |
| Loan growth (YoY) | -9.8% | -2.4% | -7.5 pts |
| ROA | -19.99% | 0.60% | -20.6 pts |
| ROE | -47.8% | 4.1% | -51.9 pts |
ROA ranks in the 0th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $164K | $95K | $102K | $69K | $-8K | -19.99% | 4.25% | 0.00% | 189 |
| Q4 2025 | $161K | $94K | $108K | $66K | $4K | 2.32% | 6.30% | 0.00% | 189 |
| Q3 2025 | $159K | $93K | $110K | $66K | $3K | 2.15% | 7.51% | 0.00% | 184 |
| Q2 2025 | $155K | $91K | $112K | $64K | $19K | 24.76% | 8.35% | 0.00% | 187 |
| Q1 2025 | $159K | $88K | $113K | $71K | $2K | 4.80% | 5.36% | 0.88% | 185 |
| Q4 2024 | $169K | $92K | $117K | $76K | $20K | 11.78% | 6.90% | 0.00% | 185 |
| Q3 2024 | $179K | $96K | $118K | $83K | $26K | 19.62% | 6.58% | 0.00% | 183 |
| Q2 2024 | $162K | $103K | $98K | $54K | $3K | 4.17% | 7.28% | 0.00% | 183 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $102K · securities $10K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -19.99% | 0.60% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -47.8% | 4.1% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 28.7% | 81.5% | 1st |
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 1 county across 1 state (+0 vs 2024). Biggest market: District of Columbia, DC, ranked 79th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 1 | $91K* | 0.00% | 79th |
District of Columbia: 80th with 0.00% · Washington-Arlington-Alexandria metro: 164th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1