Strategic Federal Credit Union
Total assets
$23.5M
▲ +0.7% YoY
Shares & deposits
$21.1M
▼ -0.0% YoY
Loans
$15.5M
▼ -9.0% YoY
Members
921
▼ -5.1% YoY
ROA (annualized)
0.54%
peers 0.60%
ROE (annualized)
5.32%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | -0.0% | +0.7% | -0.7 pts |
| Loan growth (YoY) | -9.0% | -2.4% | -6.6 pts |
| ROA | 0.54% | 0.60% | -0.1 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
Profile
- Established
- 1973
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 22110 Pacific Blvd Ste 100, Sterling, VA, 20166
- NCUA charter #
- 21319
- RSSD ID
- 492780
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Q2 2024 | $22.0M | $19.8M | $16.7M | $2.1M | $120K | 1.08% | 4.08% | 1.38% | 1,010 |
Loan mix (Q1 2026): real estate $12.9M · commercial $0 · consumer $2.5M · securities $5.3M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.83% | 43th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.0% | 81.5% | 63th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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