Washington, DC · Charter 319
NCUA · 2 branches
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
30
Profitability
51
Liquidity
19
Efficiency
72
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 319
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.93% | -0.79% | -0.80% | 0.91% | 0.67% | +160 bps | |
| Return on Equity | -12.99% | -10.90% | -11.07% | 12.43% | 8.96% | +2,195 bps | |
| Net Interest Margin | 3.25% | 3.39% | 3.48% | 3.35% | 3.46% | +21 bps | |
| Efficiency Ratio | 84.40% | 81.37% | 82.10% | 64.08% | 70.42% | -1,397 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.80% | -3.84% | -4.49% | -4.57% | -5.23% | -43 bps | |
| Loan Growth (YoY) | -11.65% | -9.40% | -8.19% | -5.38% | -2.21% | +944 bps | |
| Share Growth (YoY) | -3.53% | -1.48% | -3.28% | -3.77% | -5.19% | -167 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.10% | 1.00% | 0.82% | 0.66% | 1.09% | -2 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.18% | 7.28% | 7.23% | 7.36% | 7.49% | +31 bps | |
| Net Worth / Assets | 7.18% | 7.28% | 7.23% | 7.36% | 7.49% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.13% | 86.89% | 87.21% | 84.96% | 87.81% | +268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Washington, DC · Charter 319 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.67%
Rank 920 of 1,683
Net Interest Margin
3.46%
Rank 1,153 of 1,683
Efficiency Ratio
70.43%
Rank 475 of 1,682
Equity / Assets
7.49%
Rank 1,651 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.35% | 0.74% | 1.18% | Beats 45% | 920 / 1,683 | |
| Return on Equity | 8.96% | 2.67% | 5.89% | 8.74% | Beats 77% | 395 / 1,681 | |
| Net Interest Margin | 3.46% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,153 / 1,683 | |
| Efficiency Ratio | 70.43% | 68.91% | 78.20% | 86.93% | Beats 72% | 475 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.09% | 0.26% | 0.65% | 1.29% | Beats 30% | 1,176 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.49% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,651 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.49% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,651 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.81% | 52.61% | 69.38% | 83.50% | 83rd pctl | 288 / 1,683 | |
| Loans / Assets | 79.17% | 44.71% | 59.18% | 70.72% | 90th pctl | 160 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||