State Department
Alexandria, VA · Charter 435 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
$2.9BAssets
$1.6BLoans
$2.4BShares
$316.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 58% of credit unions $1B-$10B in assets (rank 185 of 435).
- Widest gap: net interest margin trails 93% of credit unions $1B-$10B in assets (rank 406 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.49%
Rank 346 of 435
Net Interest Margin
2.46%
Rank 406 of 435
Efficiency Ratio
69.68%
Rank 185 of 435
Equity / Assets
10.78%
Rank 229 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.55% | 0.81% | 1.14% | Beats 20% | 346 / 435 | |
| Return on Equity | 4.57% | 5.12% | 7.41% | 9.70% | Beats 21% | 345 / 435 | |
| Net Interest Margin | 2.46% | 3.01% | 3.39% | 3.75% | Beats 7% | 406 / 435 | |
| Efficiency Ratio | 69.68% | 65.25% | 71.39% | 77.86% | Beats 58% | 185 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.45% | 0.69% | 1.05% | Beats 36% | 280 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.78% | 9.81% | 10.84% | 12.63% | Beats 47% | 229 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.78% | 9.81% | 10.84% | 12.63% | Beats 47% | 229 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 65.55% | 78.33% | 88.38% | 95.61% | 10th pctl | 390 / 435 | |
| Loans / Assets | 53.87% | 67.69% | 74.58% | 80.80% | 9th pctl | 395 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |