| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.4% | +1.3% | -8.7 pts |
| Share growth (YoY) | -9.7% | +0.9% | -10.7 pts |
| Loan growth (YoY) | +58.4% | -2.6% | +61.0 pts |
| ROA | 1.69% | 0.65% | +1.0 pts |
| ROE | 10.4% | 4.4% | +6.0 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $258K | $208K | $51K | $42K | $2K | 1.69% | 3.34% | 22.05% | 391 |
| Q1 2026 | $268K | $219K | $53K | $41K | $882 | 1.32% | 3.31% | 14.97% | 391 |
| Q4 2025 | $276K | $227K | $54K | $40K | $1K | 0.42% | 2.08% | 8.22% | 391 |
| Q3 2025 | $278K | $229K | $24K | $41K | $2K | 0.80% | 2.57% | 25.86% | 391 |
| Q2 2025 | $279K | $230K | $32K | $40K | $1K | 0.90% | 2.57% | 22.31% | 391 |
| Q1 2025 | $284K | $236K | $36K | $40K | $782 | 1.10% | 2.71% | 21.22% | 391 |
| Q4 2024 | $292K | $246K | $43K | $39K | $2K | 0.55% | 3.17% | 12.55% | 391 |
| Q3 2024 | $287K | $240K | $48K | $41K | $3K | 1.62% | 3.92% | 12.66% | 391 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.65% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 4.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $279K |
| $234K |
| $54K |
| $40K |
| $2K |
| 1.48% |
| 3.96% |
| 15.00% |
| 391 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $51K · securities $186K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.4% | 80.6% | 4th |
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 75th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 2 | $208K* | 0.00% | 75th |
District of Columbia: 76th with 0.00% · Washington-Arlington-Alexandria metro: 178th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 2 · 2026 2