| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +4.1% | -3.6 pts |
| Share growth (YoY) | +0.9% | +3.5% | -2.6 pts |
| Loan growth (YoY) | +0.7% | +2.9% | -2.2 pts |
| ROA | 0.05% | 0.74% | -0.7 pts |
| ROE | 0.5% | 6.5% | -6.0 pts |
ROA ranks in the 6th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $280.3M | $249.7M | $192.2M | $30.0M | $68K | 0.05% | 3.19% | 0.72% | 25,227 |
| Q1 2026 | $286.3M | $255.6M | $190.2M | $30.0M | $86K | 0.12% | 3.08% | 0.76% | 25,317 |
| Q4 2025 | $283.8M | $252.5M | $194.4M | $30.0M | $282K | 0.10% | 3.12% | 0.66% | 25,185 |
| Q3 2025 | $280.9M | $249.5M | $186.6M | $30.1M | $423K | 0.20% | 3.14% | 0.74% | 25,186 |
| Q2 2025 | $278.8M | $247.5M | $190.8M | $30.1M | $410K | 0.29% | 3.12% | 1.07% | 25,324 |
| Q1 2025 | $279.6M | $248.8M | $193.0M | $29.8M | $181K | 0.26% | 3.01% | 0.81% | 28,861 |
| Q4 2024 | $269.2M | $238.5M | $200.6M | $29.7M | $-679K | -0.25% | 3.27% | 0.79% | 28,603 |
| Q3 2024 | $268.7M | $228.7M | $207.5M | $30.4M | $97K | 0.05% | 3.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.74% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 0.5% | 6.5% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.24% |
| 28,941 |
| Q2 2024 | $273.7M | $230.8M | $212.0M | $30.6M | $250K | 0.18% | 3.25% | 1.20% | 28,240 |
Loan mix (Q2 2026): real estate $108.3M · commercial $0 · consumer $65.0M · securities $44.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.0% | 77.5% | 95th |
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.
8 branches in 6 counties across 7 states (+1 vs 2025). Biggest market: Prince William, VA, ranked 23rd with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Prince William, VA | 1 | $31.2M* | 0.26% | 23rd |
| Allegheny, PA | 1 | $31.2M* | 0.02% | 45th |
| District of Columbia, DC | 1 | $31.2M* | 0.04% | 63rd |
| 3 more counties with Pro → | ||||
Maryland: 106th with 0.03% · North Carolina: 133rd with 0.00% · Virginia: 177th with 0.01% · District of Columbia: 64th with 0.04% · Florida: 284th with 0.00% · California: 380th with 0.00% · Pennsylvania: 304th with 0.00% · Washington-Arlington-Alexandria metro: 113th, 0.02% · Raleigh-Cary metro: 49th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2024 6 · 2025 7 · 2026 8