Ferko MD
Frederick, MD · Charter 10381 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$30.1MAssets
$11.0MLoans
$24.2MShares
$5.9MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 95% of credit unions under $1B in assets (rank 89 of 1683).
- Widest gap: net interest margin trails 49% of credit unions under $1B in assets (rank 818 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.93%
Rank 89 of 1,683
Net Interest Margin
3.85%
Rank 818 of 1,683
Efficiency Ratio
52.82%
Rank 88 of 1,682
Equity / Assets
19.45%
Rank 246 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.93% | 0.35% | 0.74% | 1.18% | Beats 95% | 89 / 1,683 | |
| Return on Equity | 9.90% | 2.67% | 5.89% | 8.74% | Beats 83% | 291 / 1,681 | |
| Net Interest Margin | 3.85% | 3.31% | 3.82% | 4.32% | Beats 51% | 818 / 1,683 | |
| Efficiency Ratio | 52.82% | 68.91% | 78.20% | 86.93% | Beats 95% | 88 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.26% | 0.65% | 1.29% | Beats 54% | 772 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.45% | 10.44% | 12.89% | 16.53% | Beats 85% | 246 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.45% | 10.44% | 12.89% | 16.53% | Beats 85% | 246 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 45.28% | 52.61% | 69.38% | 83.50% | 17th pctl | 1,399 / 1,683 | |
| Loans / Assets | 36.45% | 44.71% | 59.18% | 70.72% | 15th pctl | 1,435 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |