Washington, DC · Charter 15000
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60 to 61). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
7
Asset Quality
17
Profitability
35
Liquidity
100
Efficiency
25
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Washington, DC · Charter 15000
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | -0.37% | -0.26% | -0.12% | -0.02% | 0.05% | 0.07% | 0.12% | +24 bps | |
| Return on Equity | -4.32% | -4.88% | -3.54% | -1.58% | -0.30% | 0.60% | 0.91% | 1.59% | +317 bps | |
| Net Interest Margin | 2.45% | 2.51% | 2.62% | 2.76% | 2.91% | 2.91% | 3.05% | 3.13% | +36 bps | |
| Efficiency Ratio | 110.82% | 110.86% | 108.52% | 102.56% | 98.94% | 97.45% | 95.44% | 95.00% | -756 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.79% | 1.42% | 2.50% | 2.22% | 0.41% | 2.12% | 0.81% | -0.04% | -226 bps | |
| Loan Growth (YoY) | -3.03% | -2.65% | -3.27% | -0.56% | 2.00% | 2.92% | 4.35% | 2.55% | +311 bps | |
| Share Growth (YoY) | 1.72% | 1.90% | 2.29% | 2.05% | 0.52% | 1.06% | 0.18% | -0.45% | -249 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.49% | 2.77% | 2.38% | 1.50% | 1.19% | 2.54% | 2.07% | 2.58% | +108 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.75% | 7.63% | 7.34% | 7.47% | 7.58% | 7.51% | 7.40% | 7.63% | +17 bps | |
| Net Worth / Assets | 7.75% | 7.63% | 7.34% | 7.47% | 7.58% | 7.51% | 7.40% | 7.63% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.57% | 60.80% | 58.18% | 60.51% | 62.48% | 61.92% | 60.60% | 62.33% | +182 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Washington, DC · Charter 15000 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)
NCUA · 1 branch
Q2 2026
Return on Assets
0.12%
Rank 39 of 61
Net Interest Margin
3.13%
Rank 43 of 61
Efficiency Ratio
95.00%
Rank 46 of 60
Equity / Assets
7.63%
Rank 57 of 61
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.12% | -0.02% | 0.37% | 0.88% | Beats 36% | 39 / 61 | ||
| Return on Equity | 1.59% | -0.25% | 2.65% | 5.53% | Beats 38% | 38 / 61 | ||
| Net Interest Margin | 3.13% | 3.07% | 3.57% | 4.09% | Beats 30% | 43 / 61 | ||
| Efficiency Ratio | 95.00% | 71.78% | 87.58% | 95.00% | Beats 25% | 46 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.58% | 0.44% | 1.06% | 1.85% | Beats 17% | 51 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.63% | 9.78% | 12.37% | 17.30% | Beats 7% | 57 / 61 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.63% | 9.78% | 12.37% | 17.30% | Beats 7% | 57 / 61 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.33% | 37.27% | 62.33% | 76.91% | 49th pctl | 31 / 61 | ||
| Loans / Assets | 58.45% | 30.13% | 54.75% | 64.37% | 59th pctl | 25 / 61 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||