| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.5% | +1.3% | -11.8 pts |
| Share growth (YoY) | -3.1% | +0.9% | -4.0 pts |
| Loan growth (YoY) | -20.8% | -2.6% | -18.2 pts |
| ROA | -2.10% | 0.65% | -2.7 pts |
| ROE | -8.0% | 4.4% | -12.4 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $155K | $113K | $30K | $41K | $-2K | -2.10% | 2.40% | 0.00% | 56 |
| Q1 2026 | $162K | $120K | $22K | $42K | $-825 | -2.04% | 2.16% | 0.00% | 56 |
| Q4 2025 | $165K | $122K | $28K | $42K | $-15K | -9.05% | 2.56% | 0.00% | 55 |
| Q3 2025 | $165K | $117K | $29K | $47K | $-11K | -9.17% | 2.43% | 0.00% | 55 |
| Q2 2025 | $174K | $117K | $38K | $56K | $-966 | -1.11% | 2.31% | 0.00% | 56 |
| Q1 2025 | $170K | $113K | $35K | $57K | $-127 | -0.30% | 2.61% | 0.00% | 56 |
| Q4 2024 | $158K | $101K | $41K | $57K | $-2K | -1.33% | 1.76% | 0.00% | 57 |
| Q3 2024 | $151K | $93K | $25K | $57K | $-2K | -1.69% | 1.71% | 0.00% | 57 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.10% | 0.65% | 3rd | |
Return on equity Annualized net income ÷ equity or net worth | -8.0% | 4.4% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $144K |
| $85K |
| $21K |
| $59K |
| $-697 |
| -0.97% |
| 1.82% |
| 0.28% |
| 57 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $30K · securities $88K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 187.4% | 80.6% | 99th |
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 76th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 2 | $113K* | 0.00% | 76th |
District of Columbia: 77th with 0.00% · Washington-Arlington-Alexandria metro: 181st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2