Capital Area Realtors

Rockville, MD · 1 · Charter #20543 · www.carfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$21.7M
65th percentile
Members
1,028
38th percentile
Total loans
$12.7M
73th percentile
Total shares
$12.7M
54th percentile

Profitability

Return on assets
0.50%
35th percentile
Net interest margin
3.23%
25th percentile
Efficiency ratio
58.61%
68th percentile
Non-interest income ratio
21.37%
85th percentile

Capital & Risk

Net worth ratio
10.27%
17th percentile
Delinquency rate
3.95%
10th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
99.82%
94th percentile

Growth

Member growth YoY
0.00%
66th percentile
Asset growth YoY
-11.13%
4th percentile
Loan growth YoY
8.36%
87th percentile
Share growth YoY
-18.08%
2th percentile

Operations

Members / branch
1,028
47th percentile
Assets / member
$21,150
97th percentile
Field of membership penetration
10.28%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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