| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +1.3% | -3.9 pts |
| Share growth (YoY) | -3.1% | +0.9% | -4.1 pts |
| Loan growth (YoY) | -9.7% | -2.6% | -7.1 pts |
| ROA | -0.15% | 0.65% | -0.8 pts |
| ROE | -0.8% | 4.4% | -5.2 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $93.4M | $76.9M | $38.3M | $18.1M | $-72K | -0.15% | 3.17% | 1.21% | 12,415 |
| Q1 2026 | $94.6M | $78.0M | $39.4M | $18.1M | $-52K | -0.22% | 3.13% | 0.94% | 12,406 |
| Q4 2025 | $93.4M | $76.4M | $40.5M | $18.2M | $186K | 0.20% | 3.40% | 2.30% | 10,391 |
| Q3 2025 | $95.3M | $78.1M | $41.4M | $18.2M | $166K | 0.23% | 3.31% | 0.94% | 10,741 |
| Q2 2025 | $95.9M | $79.5M | $42.4M | $18.2M | $120K | 0.25% | 3.25% | 0.45% | 10,727 |
| Q1 2025 | $98.0M | $81.9M | $42.9M | $18.1M | $50K | 0.20% | 3.06% | 0.45% | 10,772 |
| Q4 2024 | $96.5M | $81.1M | $43.5M | $18.1M | $-786K | -0.81% | 3.14% | 1.29% | 10,718 |
| Q3 2024 | $95.7M | $80.4M | $44.2M | $18.3M | $-575K | -0.80% | 3.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.15% | 0.65% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -0.8% | 4.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 0.69% |
| 11,493 |
| Q2 2024 | $94.3M | $80.2M | $44.5M | $18.5M | $-410K | -0.87% | 3.25% | 0.45% | 11,446 |
Loan mix (Q2 2026): real estate $17.7M · commercial $4.8M · consumer $8.7M · securities $41.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.6% | 80.6% | 84th |
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 1 county across 2 states (+0 vs 2025). Biggest market: District of Columbia, DC, ranked 59th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 1 | $38.5M* | 0.05% | 59th |
District of Columbia: 60th with 0.05% · Maryland: 120th with 0.02% · Washington-Arlington-Alexandria metro: 124th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 2 · 2025 2 · 2026 2