Washington, DC · Charter 367
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 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
8
Asset Quality
7
Profitability
11
Liquidity
19
Efficiency
10
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 367
NCUA · 2 branches
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 | -0.98% | -0.56% | 0.01% | -0.06% | 0.82% | 0.06% | -2.01% | -1.74% | -167 bps | |
| Return on Equity | -11.33% | -6.59% | 0.17% | -0.79% | 9.15% | 0.74% | -25.42% | -22.66% | -2,188 bps | |
| Net Interest Margin | 3.51% | 3.89% | 3.57% | 3.40% | 3.78% | 3.16% | 3.03% | 3.10% | -30 bps | |
| Efficiency Ratio | 117.45% | 106.06% | 109.72% | 105.04% | 88.35% | 100.59% | 152.31% | 129.48% | +2,445 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.24% | -2.58% | -0.65% | 2.55% | 1.03% | 0.54% | -2.27% | -5.12% | -767 bps | |
| Loan Growth (YoY) | 9.68% | 11.83% | 20.49% | 28.19% | 10.43% | 11.56% | 23.67% | 15.32% | -1,287 bps | |
| Share Growth (YoY) | -5.75% | -1.77% | -0.07% | 2.44% | 3.30% | 2.86% | 0.20% | -3.38% | -582 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 2.37% | 2.45% | 3.74% | 5.32% | 5.88% | 7.32% | 8.42% | +468 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 | 8.64% | 8.57% | 8.24% | 8.07% | 8.97% | 8.52% | 7.91% | 7.66% | -40 bps | |
| Net Worth / Assets | 8.64% | 8.57% | 8.24% | 8.07% | 8.97% | 8.52% | 7.91% | 7.66% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.45% | 25.02% | 24.53% | 26.68% | 26.14% | 27.13% | 30.27% | 31.84% | +516 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 367 · 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
Return on Assets
-1.74%
Rank 58 of 61
Net Interest Margin
3.10%
Rank 45 of 61
Efficiency Ratio
129.68%
Rank 55 of 60
Equity / Assets
7.66%
Rank 56 of 61
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.74% | -0.02% | 0.37% | 0.88% | Beats 5% | 58 / 61 | ||
| Return on Equity | -22.66% | -0.25% | 2.65% | 5.53% | Beats 3% | 59 / 61 | ||
| Net Interest Margin | 3.10% | 3.07% | 3.57% | 4.09% | Beats 26% | 45 / 61 | ||
| Efficiency Ratio | 129.68% | 71.78% | 87.58% | 95.00% | Beats 10% | 55 / 60 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 8.42% | 0.44% | 1.06% | 1.85% | Beats 7% | 57 / 60 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.66% | 9.78% | 12.37% | 17.30% | Beats 8% | 56 / 61 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.66% | 9.78% | 12.37% | 17.30% | Beats 8% | 56 / 61 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 31.84% | 37.27% | 62.33% | 76.91% | 16th pctl | 51 / 61 | ||
| Loans / Assets | 29.78% | 30.13% | 54.75% | 64.37% | 23rd pctl | 47 / 61 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||