| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | -0.2% | +0.9% | -1.2 pts |
| Loan growth (YoY) | -9.8% | -2.6% | -7.1 pts |
| ROA | 0.40% | 0.65% | -0.2 pts |
| ROE | 3.8% | 4.4% | -0.5 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.1M | $20.6M | $15.4M | $2.4M | $46K | 0.40% | 3.73% | 1.11% | 907 |
| Q1 2026 | $23.5M | $21.1M | $15.5M | $2.4M | $32K | 0.54% | 3.65% | 1.15% | 921 |
| Q4 2025 | $23.5M | $21.1M | $16.6M | $2.3M | $153K | 0.65% | 3.95% | 0.73% | 930 |
| Q3 2025 | $22.9M | $20.6M | $17.0M | $2.3M | $104K | 0.61% | 4.02% | 0.91% | 942 |
| Q2 2025 | $23.0M | $20.7M | $17.1M | $2.2M | $55K | 0.48% | 3.92% | 0.82% | 957 |
| Q1 2025 | $23.3M | $21.1M | $17.1M | $2.2M | $3K | 0.06% | 3.80% | 1.52% | 971 |
| Q4 2024 | $23.0M | $20.7M | $16.8M | $2.2M | $165K | 0.72% | 3.98% | 1.21% | 984 |
| Q3 2024 | $22.5M | $20.2M | $16.2M | $2.2M | $168K | 0.99% | 4.03% | 1.92% | 990 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.65% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $22.0M | $19.8M | $16.7M | $2.1M | $120K | 1.08% | 4.08% | 1.38% | 1,010 |
Loan mix (Q2 2026): real estate $12.9M · commercial $0 · consumer $2.4M · securities $6.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.1% | 80.6% | 72nd |
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 2 counties across 1 state (+0 vs 2025). Biggest market: Fairfax, VA, ranked 56th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Fairfax, VA | 1 | $10.3M* | 0.01% | 56th |
| Loudoun, VA | 1 | $10.3M* | 0.09% | 27th |
Virginia: 188th with 0.01% · Washington-Arlington-Alexandria metro: 133rd, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2