Lafayette
Rockville, MD · Charter 619 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
$2.1BAssets
$976.0MLoans
$1.8BShares
$258.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 73% of credit unions $1B-$10B in assets (rank 117 of 435).
- Widest gap: net interest margin trails 99% of credit unions $1B-$10B in assets (rank 430 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.11%
Rank 417 of 435
Net Interest Margin
1.29%
Rank 430 of 435
Efficiency Ratio
83.68%
Rank 396 of 435
Equity / Assets
12.44%
Rank 117 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.11% | 0.55% | 0.81% | 1.14% | Beats 4% | 417 / 435 | |
| Return on Equity | 0.85% | 5.12% | 7.41% | 9.70% | Beats 4% | 419 / 435 | |
| Net Interest Margin | 1.29% | 3.01% | 3.39% | 3.75% | Beats 1% | 430 / 435 | |
| Efficiency Ratio | 83.68% | 65.25% | 71.39% | 77.86% | Beats 9% | 396 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.33% | 0.45% | 0.69% | 1.05% | Beats 3% | 425 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.44% | 9.81% | 10.84% | 12.63% | Beats 73% | 117 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.44% | 9.81% | 10.84% | 12.63% | Beats 73% | 117 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 54.20% | 78.33% | 88.38% | 95.61% | 4th pctl | 419 / 435 | |
| Loans / Assets | 46.95% | 67.69% | 74.58% | 80.80% | 4th pctl | 418 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |