Washington, DC · Charter 4963
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
3
Asset Quality
53
Profitability
7
Liquidity
24
Efficiency
2
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 4963
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 | 0.04% | -0.09% | 0.13% | -0.23% | -0.10% | -1.43% | -0.88% | -0.80% | -58 bps | |
| Return on Equity | 0.38% | -0.87% | 1.28% | -2.43% | -1.12% | -18.36% | -11.15% | -10.26% | -783 bps | |
| Net Interest Margin | 3.04% | 2.96% | 2.89% | 2.83% | 2.72% | 2.70% | 2.86% | 2.95% | +12 bps | |
| Efficiency Ratio | 95.41% | 95.22% | 80.39% | 88.30% | 87.86% | 122.21% | 122.45% | 123.17% | +3,488 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.97% | 4.72% | 1.52% | 5.58% | 10.13% | 6.65% | 1.76% | -3.09% | -867 bps | |
| Loan Growth (YoY) | 2.74% | 2.58% | 3.18% | -0.31% | 0.09% | -1.12% | -2.86% | -5.30% | -498 bps | |
| Share Growth (YoY) | -5.37% | -3.48% | -1.45% | -1.00% | 9.67% | 8.40% | 3.26% | 0.22% | +122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.35% | 0.36% | 0.41% | 0.37% | 0.65% | 0.33% | 0.59% | +19 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 | 10.18% | 9.83% | 9.77% | 9.32% | 9.07% | 7.78% | 7.86% | 7.82% | -150 bps | |
| Net Worth / Assets | 10.18% | 9.83% | 9.77% | 9.32% | 9.07% | 7.78% | 7.86% | 7.82% | -150 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.27% | 95.27% | 92.23% | 91.80% | 87.86% | 86.90% | 86.76% | 86.75% | -505 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 4963 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.80%
Rank 1,598 of 1,683
Net Interest Margin
2.95%
Rank 1,477 of 1,683
Efficiency Ratio
123.20%
Rank 1,646 of 1,682
Equity / Assets
7.82%
Rank 1,634 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.80% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,598 / 1,683 | ||
| Return on Equity | -10.25% | 2.67% | 5.89% | 8.74% | Beats 3% | 1,623 / 1,681 | ||
| Net Interest Margin | 2.95% | 3.31% | 3.82% | 4.32% | Beats 12% | 1,477 / 1,683 | ||
| Efficiency Ratio | 123.20% | 68.91% | 78.20% | 86.93% | Beats 2% | 1,646 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.59% | 0.26% | 0.65% | 1.29% | Beats 53% | 788 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.82% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,634 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.82% | 10.44% | 12.89% | 16.53% | Beats 3% | 1,634 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.75% | 52.61% | 69.38% | 83.50% | 80th pctl | 329 / 1,683 | ||
| Loans / Assets | 71.53% | 44.71% | 59.18% | 70.72% | 77th pctl | 392 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||