| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +1.3% | +6.0 pts |
| Share growth (YoY) | +11.3% | +0.9% | +10.4 pts |
| Loan growth (YoY) | -6.0% | -2.6% | -3.4 pts |
| ROA | 1.84% | 0.65% | +1.2 pts |
| ROE | 18.2% | 4.4% | +13.8 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $991K | $895K | $453K | $100K | $9K | 1.84% | 6.08% | 13.69% | 2,056 |
| Q1 2026 | $970K | $879K | $519K | $96K | $563 | 0.23% | 5.61% | 9.75% | 2,000 |
| Q4 2025 | $949K | $846K | $535K | $116K | $-12K | -1.30% | 5.50% | 4.63% | 1,900 |
| Q3 2025 | $937K | $822K | $471K | $128K | $6K | 0.83% | 5.58% | 11.09% | 1,807 |
| Q2 2025 | $924K | $804K | $482K | $133K | $11K | 2.38% | 5.46% | 6.16% | 1,568 |
| Q1 2025 | $866K | $758K | $487K | $121K | $-894 | -0.41% | 5.48% | 11.91% | 1,472 |
| Q4 2024 | $839K | $730K | $502K | $109K | $-115K | -13.66% | 5.74% | 0.00% | 1,385 |
| Q3 2024 | $852K | $738K | $531K | $114K | $-90K | -14.16% | 5.39% | 2.58% | 1,306 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 0.65% | 92nd | |
Return on equity Annualized net income ÷ equity or net worth | 18.2% | 4.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $913K | $752K | $493K | $197K | $-7K | -1.64% | 4.62% | 0.88% | 1,232 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $453K · securities $39K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 80.6% | 63rd |
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.
3 branches in 1 county across 1 state (+1 vs 2025). Biggest market: District of Columbia, DC, ranked 73rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 3 | $895K* | 0.00% | 73rd |
District of Columbia: 74th with 0.00% · Washington-Arlington-Alexandria metro: 172nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 2 · 2025 2 · 2026 3