| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +5.1% | -5.5 pts |
| Share growth (YoY) | +1.1% | +4.9% | -3.7 pts |
| Loan growth (YoY) | +3.8% | +5.4% | -1.7 pts |
| ROA | 0.48% | 0.71% | -0.2 pts |
| ROE | 4.5% | 6.3% | -1.7 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.94B | $2.42B | $1.53B | $313.1M | $3.6M | 0.48% | 2.44% | 0.90% | 85,954 |
| Q4 2025 | $2.94B | $2.39B | $1.52B | $309.6M | $8.7M | 0.30% | 2.27% | 1.00% | 85,016 |
| Q3 2025 | $2.90B | $2.35B | $1.42B | $308.9M | $5.2M | 0.24% | 2.28% | 0.98% | 85,755 |
| Q2 2025 | $2.93B | $2.36B | $1.45B | $307.1M | $3.5M | 0.24% | 2.23% | 1.07% | 86,468 |
| Q1 2025 | $2.95B | $2.39B | $1.47B | $305.4M | $1.8M | 0.24% | 2.20% | 1.02% | 87,234 |
| Q4 2024 | $2.90B | $2.35B | $1.49B | $303.6M | $9.8M | 0.34% | 2.10% | 1.14% | 87,954 |
| Q3 2024 | $2.90B | $2.31B | $1.47B | $304.9M | $8.1M | 0.38% | 2.09% | 1.00% | 88,555 |
| Q2 2024 | $2.85B | $2.29B | $1.44B | $301.8M | $5.1M | 0.36% | 2.09% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.71% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 6.3% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.44% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.92% |
| 88,616 |
Loan mix (Q1 2026): real estate $1.12B · commercial $1.5M · consumer $400.1M · securities $1.03B
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.6% | 73.0% | 41st |
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.
7 branches in 4 counties across 3 states (+0 vs 2024). Biggest market: Arlington, VA, ranked 6th with 5.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Arlington, VA | 2 | $674.8M* | 5.56% | 6th |
| District of Columbia, DC | 2 | $674.8M* | 0.84% | 20th |
| Alexandria (City), VA | 2 | $674.8M* | 7.44% | 5th |
| 1 more county with Pro → | ||||
Virginia: 39th with 0.34% · District of Columbia: 20th with 0.84% · South Carolina: 64th with 0.22% · Washington-Arlington-Alexandria metro: 22nd, 0.55% · Charleston-North Charleston metro: 20th, 1.23% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7