| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +5.1% | -2.0 pts |
| Share growth (YoY) | +2.7% | +4.9% | -2.2 pts |
| Loan growth (YoY) | +8.4% | +5.4% | +3.0 pts |
| ROA | 0.64% | 0.71% | -0.1 pts |
| ROE | 6.1% | 6.3% | -0.2 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.33B | $1.19B | $788.9M | $139.4M | $2.1M | 0.64% | 3.22% | 0.90% | 52,187 |
| Q4 2025 | $1.32B | $1.17B | $781.0M | $137.3M | $5.6M | 0.42% | 3.19% | 1.24% | 51,946 |
| Q3 2025 | $1.26B | $1.12B | $751.9M | $136.7M | $4.2M | 0.44% | 3.28% | 1.20% | 49,276 |
| Q2 2025 | $1.26B | $1.13B | $743.2M | $135.8M | $3.4M | 0.53% | 3.24% | 1.11% | 48,402 |
| Q1 2025 | $1.29B | $1.16B | $727.6M | $134.2M | $1.8M | 0.55% | 3.10% | 1.00% | 48,286 |
| Q4 2024 | $1.25B | $1.12B | $735.8M | $132.5M | $10.4M | 0.83% | 3.05% | 1.28% | 48,224 |
| Q3 2024 | $1.20B | $1.07B | $738.0M | $132.2M | $9.4M | 1.04% | 3.14% | 1.20% | 48,247 |
| Q2 2024 | $1.21B | $1.08B | $732.4M | $134.0M | $11.3M | 1.87% | 3.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.71% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 6.3% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.27% |
| 48,237 |
Loan mix (Q1 2026): real estate $621.7M · commercial $0 · consumer $161.5M · securities $383.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 73.0% | 75th |
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.
6 branches in 2 counties across 2 states (+0 vs 2024). Biggest market: District of Columbia, DC, ranked 17th with 0.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| District of Columbia, DC | 4 | $750.2M* | 0.93% | 17th |
| Fairfax, VA | 2 | $375.1M* | 0.28% | 27th |
District of Columbia: 17th with 0.93% · Virginia: 81st with 0.09% · Washington-Arlington-Alexandria metro: 34th, 0.30% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6