Washington, DC · Charter 24219
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
97
Asset Quality
33
Profitability
85
Liquidity
99
Efficiency
95
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 24219
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 | 2.99% | 3.44% | 2.66% | 3.05% | 3.65% | 3.46% | 3.62% | 2.67% | -38 bps | |
| Return on Equity | 8.88% | 9.45% | 7.37% | 8.24% | 8.84% | 8.29% | 8.65% | 6.37% | -187 bps | |
| Net Interest Margin | 5.03% | 5.24% | 5.04% | 4.94% | 5.34% | 5.01% | 4.56% | 4.39% | -55 bps | |
| Efficiency Ratio | 28.69% | 25.58% | 47.42% | 38.67% | 32.11% | 31.42% | 21.36% | 39.60% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.41% | -1.45% | -1.43% | -5.74% | -9.84% | -4.85% | -5.64% | -4.74% | +100 bps | |
| Loan Growth (YoY) | 24.60% | 25.29% | 29.22% | 27.79% | -5.13% | -8.52% | -8.03% | -10.61% | -3,840 bps | |
| Share Growth (YoY) | 3.09% | -7.17% | -6.98% | -12.83% | -20.12% | -12.79% | -14.13% | -12.22% | +60 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.70% | 0.18% | 0.12% | 0.00% | 0.78% | 1.27% | 1.55% | +143 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 | 2.29% | 2.20% | 2.47% | 2.51% | 2.65% | 2.73% | 2.94% | 3.17% | +66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 33.68% | 36.40% | 36.08% | 37.02% | 41.24% | 41.71% | 41.83% | 41.96% | +495 bps | |
| Net Worth / Assets | 33.68% | 36.40% | 36.08% | 37.02% | 41.24% | 41.71% | 41.83% | 41.96% | +495 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.54% | 66.66% | 61.42% | 61.43% | 69.53% | 69.93% | 65.79% | 62.56% | +113 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 24219 · 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
2.60%
Rank 3 of 61
Net Interest Margin
4.47%
Rank 9 of 61
Efficiency Ratio
37.50%
Rank 4 of 60
Equity / Assets
41.95%
Rank 2 of 61
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.60% | -0.02% | 0.37% | 0.88% | Beats 95% | 3 / 61 | ||
| Return on Equity | 6.21% | -0.25% | 2.65% | 5.53% | Beats 75% | 15 / 61 | ||
| Net Interest Margin | 4.47% | 3.07% | 3.57% | 4.09% | Beats 85% | 9 / 61 | ||
| Efficiency Ratio | 37.50% | 71.78% | 87.58% | 95.00% | Beats 95% | 4 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.54% | 0.44% | 1.06% | 1.85% | Beats 33% | 41 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 41.95% | 9.78% | 12.37% | 17.30% | Beats 97% | 2 / 61 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 41.95% | 9.78% | 12.37% | 17.30% | Beats 97% | 2 / 61 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.50% | 37.27% | 62.33% | 76.91% | 51st pctl | 30 / 61 | ||
| Loans / Assets | 36.28% | 30.13% | 54.75% | 64.37% | 31st pctl | 42 / 61 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||