Capital Area Realtors Federal Credit Union
Rockville, MD·Charter 20543·cu:20543·Credit union RBC / net worth
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Capital Area Realtors Federal Credit Union
13 of 23 FORFI signals stand out against 2478 similar credit unions, based on NCUA data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal2.91%peers 0.91%+201 bps
Capital Area Realtors Federal Credit Union's cost of shares and deposits has not eased the way it has at similar credit unions, while deposit growth trailed similar institutions and more of the funding base moved into higher-rate time deposits.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 2.91% | 0.91% | +201 bps |
| Shares and deposits, 12-month growth | ||
| -36.3% | +0.9% | -37.3 pp |
| Certificates' share of shares | ||
| 61.7% | 12.7% | +48.9 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Capital Area Realtors Federal Credit Union itself is left out of every peer median and percentile. How signals work
Auto lending shrinking faster than peersNotable: Lending 2nd quarter-50.7%peers -5.6%-45.1 pp
Capital Area Realtors Federal Credit Union's auto loans declined 50.7% over the past year to $530,122. The median among 2357 similar credit unions was -5.6%.
| This institution | Peer median | Difference |
|---|---|---|
| Auto loans, 12-month growth | ||
| -50.7% | -5.6% | -45.1 pp |
| Auto loans | ||
| $530,122 | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Capital Area Realtors Federal Credit Union itself is left out of every peer median and percentile. How signals work
Margin squeezed by funding costsWorth a look: Earnings FORFI signal3.04%peers 3.93%-89 bps
Capital Area Realtors Federal Credit Union's net interest margin lagged similar credit unions as its cost of shares and deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 3.04% | 3.93% | -89 bps |
| Cost of all shares and deposits | ||
| 2.91% | 0.91% | +201 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Capital Area Realtors Federal Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio rising faster than peersStrength: Capital 2nd quarter14.10%peers 14.31%-0.2 pp
Capital Area Realtors Federal Credit Union's net worth ratio rose 4.3 percentage points over the past year to 14.10%. Among 2473 similar credit unions, the median rose 0.4 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 14.10% | 14.31% | -0.2 pp |
| 12-month change | ||
| +4.3 pp | +0.4 pp | +3.8 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Capital Area Realtors Federal Credit Union itself is left out of every peer median and percentile. How signals work
Delinquent loans falling while the peer median holds steadyStrength: Asset quality3.89%peers 0.70%+320 bps
Capital Area Realtors Federal Credit Union's loans 60+ days delinquent as a share of loans fell 245 bps over the past year to 3.89%. Among 2462 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Loans 60+ days delinquent as a share of loans | ||
| 3.89% | 0.70% | +320 bps |
| 12-month change | ||
| -245 bps | 0 bps | -245 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Capital Area Realtors Federal Credit Union itself is left out of every peer median and percentile. How signals work
8 more observations
- Shares and deposits shrinking while the peer median growsFunding
- Reliance on share certificates rising while the peer median holds steadyFunding
- Loans shrinking faster than peersLending
- Share and deposit costs among the highest of similar credit unionsFunding
- Fee and other noninterest income among the highest of similar credit unionsEarnings
- Share and deposit costs rising while the peer median holds steadyFunding
- Efficiency ratio rising faster than peersEfficiency
- Net interest margin narrowing while the peer median widensEarnings
Key facts
- Capital Area Realtors Federal Credit Union is a federally chartered credit union headquartered in Rockville, Maryland. It reported $15.7 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $13.5 million, down 36.3% from a year earlier, and loans totaled $9.3 million, down 38.4%.
- Its net interest margin on average assets was 3.04% and its annualized return on assets was -0.54% for the quarter.
- Its cost of all shares and deposits was 2.91%, compared with a median of 0.91% among 2475 similar credit unions with under $100 million in assets.
- It served 1,002 members, down 2.5% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Capital Area Realtors Federal Credit Union's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Capital Area Realtors Federal Credit Union · Credit union
- NCUA charter
- 20543
- Reporting period
- Peer group
- 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Capital Area Realtors Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| -$21.3K | |
| $219.42K | |
| $98.93K | |
| $120.49K | |
| $112.62K | |
| $254.4K | |
| $0 | |
| $0 | |
| -0.54% | |
| 3.04% | |
| 109.14% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.