| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +2.2% | +0.9% | +1.3 pts |
| Loan growth (YoY) | +40.0% | -2.6% | +42.7 pts |
| ROA | 0.51% | 0.65% | -0.1 pts |
| ROE | 2.0% | 4.4% | -2.4 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.2M | $21.0M | $24.2M | $7.1M | $72K | 0.51% | 4.42% | 1.65% | 3,228 |
| Q1 2026 | $29.3M | $20.6M | $22.3M | $7.1M | $16K | 0.22% | 4.13% | 1.43% | 3,006 |
| Q4 2025 | $28.2M | $19.5M | $20.9M | $7.1M | $-30K | -0.11% | 4.18% | 1.23% | 2,960 |
| Q3 2025 | $27.8M | $20.6M | $17.3M | $7.1M | $28K | 0.14% | 2.60% | 1.69% | 2,776 |
| Q2 2025 | $27.8M | $20.6M | $17.3M | $7.1M | $28K | 0.20% | 3.90% | 1.69% | 2,776 |
| Q1 2025 | $28.1M | $21.0M | $15.3M | $7.1M | $14K | 0.19% | 3.49% | 1.98% | 2,669 |
| Q4 2024 | $28.1M | $21.0M | $13.8M | $7.1M | $-177K | -0.63% | 2.69% | 1.52% | 2,593 |
| Q3 2024 | $28.4M | $21.3M | $12.2M | $7.1M | $-165K | -0.77% | 2.43% | 0.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.65% | 43rd | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.4% | 32nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,463 |
| Q2 2024 | $28.7M | $21.5M | $10.9M | $7.1M | $-122K | -0.85% | 2.15% | 0.85% | 2,420 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $24.1M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 80.6% | 68th |
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 2025). Biggest market: Baltimore (City), MD, ranked 25th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Baltimore (City), MD | 1 | $21.0M* | 0.05% | 25th |
Maryland: 129th with 0.01% · Baltimore-Columbia-Towson metro: 62nd, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1