Topside Federal Credit Union
Total assets
$490.9M
▼ -0.3% YoY
Shares & deposits
$455.2M
▼ -1.4% YoY
Loans
$263.5M
▼ -3.5% YoY
Members
41,798
▼ -0.2% YoY
ROA (annualized)
0.61%
peers 0.69%
ROE (annualized)
7.21%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +3.9% | -4.2 pts |
| Share growth (YoY) | -1.4% | +3.3% | -4.7 pts |
| Loan growth (YoY) | -3.5% | +2.9% | -6.4 pts |
| ROA | 0.61% | 0.69% | -0.1 pts |
| ROE | 7.2% | 5.9% | +1.3 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
Profile
- Established
- 1961
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 519, Dahlgren, VA, 22448
- NCUA charter #
- 14754
- RSSD ID
- 734284
- 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 | $490.9M | $455.2M | $263.5M | $41.7M | $751K | 0.61% | 3.54% | 0.97% | 41,798 |
| Q4 2025 | $488.4M | $453.5M | $264.0M | $40.9M | $2.8M | 0.57% | 3.58% | 0.87% | 41,757 |
| Q3 2025 | $481.9M | $448.5M | $267.4M | $40.3M | $2.1M | 0.59% | 3.60% | 0.99% | 41,958 |
| Q2 2025 | $484.8M | $452.5M | $266.8M | $39.5M | $1.4M | 0.56% | 3.54% | 0.97% | 41,919 |
| Q1 2025 | $492.3M | $461.7M | $273.1M | $38.8M | $628K | 0.51% | 3.41% | 0.93% | 41,901 |
| Q4 2024 | $473.3M | $446.0M | $281.7M | $38.2M | $2.9M | 0.62% | 3.77% | 0.83% | 41,921 |
| Q3 2024 | $468.6M | $439.2M | $288.8M | $38.0M | $2.8M | 0.79% | 3.82% | 0.75% | 42,029 |
| Q2 2024 | $477.2M | $433.2M | $291.9M | $36.5M | $1.3M | 0.53% | 3.77% | 0.58% | 41,898 |
Loan mix (Q1 2026): real estate $178.3M · commercial $22.0M · consumer $53.2M · securities $133.5M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.69% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 5.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.62% | 45th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.3% | 78.7% | 76th | |
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.
Similar credit unions
- Signature Federal Credit UnionAlexandria, VA · $406.7M
- Park View Federal Credit UnionHarrisonburg, VA · $406.5M
- Beacon Credit Union, Incorporated Credit UnionLynchburg, VA · $378.2M
- Dominion Energy Credit UnionNorth Chesterfi, VA · $353.9M
- Agriculture Federal Credit UnionMerrifield, VA · $353.1M
- Transportation Federal Credit UnionAlexandria, VA · $351.9M
Selling to Topside Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.