Tower Federal Credit Union
Total assets
$5.00B
▲ +6.3% YoY
Shares & deposits
$4.32B
▲ +5.4% YoY
Loans
$3.71B
▲ +5.8% YoY
Members
218,540
▼ -0.9% YoY
ROA (annualized)
1.06%
peers 0.71%
ROE (annualized)
7.55%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +5.1% | +1.1 pts |
| Share growth (YoY) | +5.4% | +4.9% | +0.5 pts |
| Loan growth (YoY) | +5.8% | +5.4% | +0.4 pts |
| ROA | 1.06% | 0.71% | +0.3 pts |
| ROE | 7.5% | 6.3% | +1.3 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
Profile
- Established
- 1953
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 1280, Laurel, MD, 20725
- NCUA charter #
- 8333
- RSSD ID
- 498586
- 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 | $5.00B | $4.32B | $3.71B | $700.0M | $13.2M | 1.06% | 3.42% | 0.33% | 218,540 |
| Q4 2025 | $4.79B | $4.12B | $3.64B | $686.8M | $58.9M | 1.23% | 3.53% | 0.45% | 216,226 |
| Q3 2025 | $4.76B | $4.11B | $3.63B | $679.4M | $47.1M | 1.32% | 3.57% | 0.26% | 221,992 |
| Q2 2025 | $4.72B | $4.09B | $3.58B | $661.0M | $28.8M | 1.22% | 3.53% | 0.26% | 223,558 |
| Q1 2025 | $4.71B | $4.10B | $3.50B | $644.9M | $12.6M | 1.07% | 3.47% | 0.23% | 220,418 |
| Q4 2024 | $4.54B | $3.87B | $3.45B | $632.3M | $61.4M | 1.35% | 3.54% | 0.23% | 223,720 |
| Q3 2024 | $4.58B | $3.90B | $3.39B | $620.6M | $45.1M | 1.31% | 3.47% | 0.19% | 226,817 |
| Q2 2024 | $4.61B | $3.89B | $3.36B | $603.1M | $27.6M | 1.20% | 3.35% | 0.17% | 224,421 |
Loan mix (Q1 2026): real estate $2.57B · commercial $0 · consumer $1.13B · securities $572.4M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.71% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 6.3% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.32% | 57th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 73.0% | 37th | |
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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