Hema Silver Spring, MD · Charter 19514 · 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
$16.7M Assets
$6.9M Loans
$15.0M Shares
$1.6M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 68% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 20 of 60). Widest gap: efficiency ratio trails 92% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 56 of 60). Overall: at or above the peer median on 1 of 7 directional measures. Return on Assets
-0.41%
Rank 54 of 61
Net Interest Margin
3.05%
Rank 47 of 61
Efficiency Ratio
131.95%
Rank 56 of 60
Equity / Assets
9.78%
Rank 46 of 61
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets -0.41% -0.02% 0.37% 0.88% Beats 11% 54 / 61 Return on Equity -4.18% -0.25% 2.65% 5.53% Beats 11% 54 / 61 Net Interest Margin 3.05% 3.07% 3.57% 4.09% Beats 23% 47 / 61 Efficiency Ratio 131.95% 71.78% 87.58% 95.00% Beats 8% 56 / 60 Asset Quality Nonperforming Loans / Loans 0.58% 0.44% 1.06% 1.85% Beats 68% 20 / 60 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 9.78% 9.78% 12.37% 17.30% Beats 25% 46 / 61 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 9.78% 9.78% 12.37% 17.30% Beats 25% 46 / 61 Liquidity & Funding Loans / Deposits 46.15% 37.27% 62.33% 76.91% 31st pctl 42 / 61 Loans / Assets 41.55% 30.13% 54.75% 64.37% 38th pctl 38 / 61 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (60 to 61 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11