| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +4.7% | +0.9% | +3.7 pts |
| Loan growth (YoY) | -11.5% | -2.6% | -8.9 pts |
| ROA | 0.62% | 0.65% | -0.0 pts |
| ROE | 4.4% | 4.4% | +0.0 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $86.3M | $75.4M | $28.1M | $12.1M | $266K | 0.62% | 3.59% | 1.27% | 6,947 |
| Q1 2026 | $85.3M | $74.5M | $28.4M | $12.0M | $163K | 0.76% | 3.47% | 0.80% | 6,964 |
| Q4 2025 | $83.4M | $72.8M | $29.7M | $11.8M | $526K | 0.63% | 3.64% | 1.35% | 6,978 |
| Q3 2025 | $83.6M | $73.2M | $30.6M | $11.7M | $406K | 0.65% | 3.64% | 1.17% | 7,101 |
| Q2 2025 | $82.0M | $72.1M | $31.8M | $11.5M | $259K | 0.63% | 3.67% | 1.20% | 7,021 |
| Q1 2025 | $79.6M | $69.4M | $32.0M | $11.4M | $116K | 0.58% | 3.70% | 0.76% | 7,055 |
Loan mix (Q2 2026): real estate $6.8M · commercial $0 · consumer $20.3M · securities $21.4M
| Ratio | Value | Trend (6q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.65% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.4% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.88% | 37th |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 80.6% | 48th |
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 (6q) | 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 (6q) | 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 (6q) | 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 (6q) | 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 (6q) | 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 2 counties across 1 state (+0 vs 2025). Biggest market: Prince William, VA, ranked 21st with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Prince William, VA | 1 | $37.7M* | 0.32% | 21st |
| Manassas (City), VA | 1 | $37.7M* | 1.94% | 11th |
Virginia: 156th with 0.02% · Washington-Arlington-Alexandria metro: 106th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2025 2 · 2026 2