CAPITAL AREA REALTORS
Charter #20543 · Rockville, MD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,014 sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 2.60% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 3.12% sits at the 95th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.57% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.19% sits at the 93rd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CAPITAL AREA REALTORS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.08M | 24th pct | 36th pct |
| Members | 1,014 | 5th pct | 21th pct |
| Net worth ratio | 13.93% | 52th pct | 69th pct |
| Return on average assets | 0.20% | 26th pct | 48th pct |
| Net interest margin | 2.60% | 8th pct | 8th pct |
| Cost of funds | 3.12% | 99th pct | 95th pct |
| Loan-to-share | 74.31% | 76th pct | 51th pct |
| Delinquency 60+ days | 3.57% | 95th pct | 93th pct |
| Net charge-off ratio | 2.19% | 96th pct | 93th pct |
| Loan growth YoY | -22.80% | 0th pct | 2th pct |
| Share growth YoY | -42.19% | 0th pct | 2th pct |
| Efficiency ratio | 68.77% | 24th pct | 15th pct |
structural peer set hash: 27219b4384b31104623ed080479b269d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.