| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.1% | +1.3% | -6.4 pts |
| Share growth (YoY) | -3.4% | +0.9% | -4.3 pts |
| Loan growth (YoY) | +15.3% | -2.6% | +17.9 pts |
| ROA | -1.74% | 0.65% | -2.4 pts |
| ROE | -22.7% | 4.4% | -27.0 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.0M | $30.8M | $9.8M | $2.5M | $-286K | -1.74% | 3.10% | 8.42% | 2,009 |
| Q1 2026 | $33.4M | $31.5M | $9.5M | $2.6M | $-168K | -2.01% | 3.03% | 7.32% | 1,984 |
| Q4 2025 | $33.0M | $31.0M | $8.4M | $2.8M | $21K | 0.06% | 3.16% | 5.88% | 1,934 |
| Q3 2025 | $33.7M | $31.6M | $8.3M | $3.0M | $207K | 0.82% | 3.78% | 5.32% | 1,927 |
| Q2 2025 | $34.7M | $31.9M | $8.5M | $2.8M | $-11K | -0.06% | 3.40% | 3.74% | 1,887 |
| Q1 2025 | $34.2M | $31.4M | $7.7M | $2.8M | $1K | 0.01% | 3.57% | 2.45% | 2,029 |
| Q4 2024 | $32.8M | $30.1M | $7.5M | $2.8M | $-185K | -0.56% | 3.89% | 2.37% | 2,096 |
| Q3 2024 | $33.3M | $30.6M | $7.5M | $2.9M | $-245K | -0.98% | 3.51% | 1.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.74% | 0.65% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -22.7% | 4.4% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,382 |
| Q2 2024 | $33.9M | $31.1M | $6.6M | $2.9M | $-180K | -1.06% | 3.40% | 2.41% | 1,406 |
Loan mix (Q2 2026): real estate $57K · commercial $0 · consumer $9.7M · securities $18.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 129.5% | 80.6% | 97th |
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 1 county across 1 state (+0 vs 2025). Biggest market: District of Columbia, DC, ranked 64th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 2 | $30.8M* | 0.04% | 64th |
District of Columbia: 65th with 0.04% · Washington-Arlington-Alexandria metro: 129th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2