| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.8% | +4.8% | -12.6 pts |
| Share growth (YoY) | -15.1% | +4.3% | -19.4 pts |
| Loan growth (YoY) | -7.3% | +4.3% | -11.6 pts |
| ROA | 0.03% | 0.62% | -0.6 pts |
| ROE | 0.4% | 5.9% | -5.6 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $552.6M | $470.1M | $344.1M | $47.2M | $43K | 0.03% | 2.95% | 1.39% | 30,641 |
| Q4 2025 | $555.7M | $488.9M | $351.9M | $47.2M | $7K | 0.00% | 3.02% | 0.73% | 29,867 |
| Q3 2025 | $579.7M | $532.2M | $362.8M | $48.4M | $59K | 0.01% | 2.92% | 0.99% | 29,498 |
| Q2 2025 | $591.8M | $543.7M | $371.7M | $48.5M | $102K | 0.03% | 2.86% | 1.36% | 29,060 |
| Q1 2025 | $599.4M | $553.6M | $371.0M | $48.4M | $69K | 0.05% | 2.79% | 0.95% | 28,869 |
| Q4 2024 | $590.0M | $548.8M | $375.0M | $48.3M | $-2.9M | -0.49% | 2.93% | 1.32% | 28,724 |
| Q3 2024 | $542.7M | $469.7M | $358.0M | $50.3M | $-2.2M | -0.54% | 3.24% | 1.88% | 28,160 |
| Q2 2024 | $540.1M | $469.3M | $369.8M | $50.3M | $-2.2M | -0.82% | 3.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.62% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 5.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.69% |
| 27,878 |
Loan mix (Q1 2026): real estate $150.4M · commercial $86.3M · consumer $88.5M · securities $140.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.6% | 78.3% | 90th |
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.
4 branches in 4 counties across 3 states (+0 vs 2024). Biggest market: Charles, MD, ranked 7th with 3.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Charles, MD | 1 | $135.9M* | 3.29% | 7th |
| District of Columbia, DC | 1 | $135.9M* | 0.17% | 40th |
| Fairfax, VA | 1 | $135.9M* | 0.10% | 37th |
| 1 more county with Pro → | ||||
Virginia: 95th with 0.07% · District of Columbia: 40th with 0.17% · Maryland: 81st with 0.06% · Washington-Arlington-Alexandria metro: 50th, 0.15% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4