| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.1% | -3.5 pts |
| Share growth (YoY) | +0.1% | +3.5% | -3.5 pts |
| Loan growth (YoY) | -1.9% | +2.9% | -4.8 pts |
| ROA | 0.02% | 0.74% | -0.7 pts |
| ROE | 0.1% | 6.5% | -6.3 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $175.9M | $146.0M | $114.8M | $25.1M | $17K | 0.02% | 2.56% | 1.33% | 13,992 |
| Q1 2026 | $175.8M | $145.8M | $115.7M | $25.0M | $-14K | -0.03% | 2.54% | 0.41% | 13,960 |
| Q4 2025 | $177.1M | $147.3M | $115.2M | $25.0M | $385K | 0.22% | 2.38% | 0.76% | 13,951 |
| Q3 2025 | $174.4M | $144.3M | $115.6M | $25.0M | $308K | 0.24% | 2.39% | 0.42% | 13,939 |
| Q2 2025 | $174.8M | $145.9M | $117.0M | $24.9M | $282K | 0.32% | 2.35% | 0.26% | 13,892 |
| Q1 2025 | $175.0M | $145.6M | $117.2M | $24.8M | $176K | 0.40% | 2.26% | 0.31% | 13,904 |
| Q4 2024 | $171.5M | $143.8M | $118.6M | $24.7M | $221K | 0.13% | 2.30% | 0.72% | 13,806 |
| Q3 2024 | $172.4M | $143.3M | $117.5M | $24.6M | $198K | 0.15% | 2.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.74% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 0.1% | 6.5% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.56% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.69% |
| 13,858 |
| Q2 2024 | $174.1M | $144.4M | $118.1M | $24.5M | $93K | 0.11% | 2.25% | 0.43% | 13,854 |
Loan mix (Q2 2026): real estate $71.9M · commercial $0 · consumer $40.1M · securities $39.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.0% | 77.5% | 98th |
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 2 states (+0 vs 2025). Biggest market: District of Columbia, DC, ranked 45th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 2 | $97.3M* | 0.14% | 45th |
District of Columbia: 45th with 0.14% · Maryland: 116th with 0.02% · Washington-Arlington-Alexandria metro: 102nd, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 2 · 2024 3 · 2025 3 · 2026 3