Phi Beta Sigma Washington, DC · Charter 24262 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)
NCUA · 2 branches
Q2 2026
$991K Assets
$453K Loans
$895K Shares
$100K Net Worth
Executive Summary Strongest standing: return on equity outperforms 97% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 2 of 61). Widest gap: nonperforming loans / loans trails 95% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 58 of 60). Overall: at or above the peer median on 4 of 7 directional measures. Return on Assets
1.82%
Rank 6 of 61
Net Interest Margin
6.05%
Rank 3 of 61
Efficiency Ratio
86.15%
Rank 27 of 60
Equity / Assets
10.09%
Rank 45 of 61
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 1.82% -0.02% 0.37% 0.88% Beats 90% 6 / 61 Return on Equity 18.00% -0.25% 2.65% 5.53% Beats 97% 2 / 61 Net Interest Margin 6.05% 3.07% 3.57% 4.09% Beats 95% 3 / 61 Efficiency Ratio 86.15% 71.78% 87.58% 95.00% Beats 57% 27 / 60 Asset Quality Nonperforming Loans / Loans 13.69% 0.44% 1.06% 1.85% Beats 5% 58 / 60 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 10.09% 9.78% 12.37% 17.30% Beats 26% 45 / 61 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 10.09% 9.78% 12.37% 17.30% Beats 26% 45 / 61 Liquidity & Funding Loans / Deposits 50.61% 37.27% 62.33% 76.91% 38th pctl 38 / 61 Loans / Assets 45.71% 30.13% 54.75% 64.37% 41st pctl 36 / 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