| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +1.3% | -1.7 pts |
| Share growth (YoY) | -1.4% | +0.9% | -2.3 pts |
| Loan growth (YoY) | -12.3% | -2.6% | -9.7 pts |
| ROA | 0.68% | 0.65% | +0.0 pts |
| ROE | 3.5% | 4.4% | -0.9 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.4M | $36.9M | $19.3M | $8.8M | $155K | 0.68% | 3.62% | 1.08% | 3,980 |
| Q1 2026 | $45.4M | $36.9M | $20.0M | $8.7M | $82K | 0.73% | 3.51% | 0.84% | 3,992 |
| Q4 2025 | $44.4M | $36.0M | $20.7M | $8.6M | $421K | 0.95% | 4.01% | 0.41% | 4,037 |
| Q3 2025 | $44.1M | $35.8M | $21.0M | $8.6M | $372K | 1.12% | 4.13% | 0.52% | 4,060 |
| Q2 2025 | $45.6M | $37.4M | $22.0M | $8.5M | $259K | 1.14% | 4.06% | 0.75% | 4,123 |
| Q1 2025 | $45.6M | $37.5M | $22.7M | $8.3M | $106K | 0.93% | 3.95% | 0.75% | 4,244 |
| Q4 2024 | $44.4M | $36.5M | $23.3M | $8.2M | $463K | 1.04% | 3.98% | 1.22% | 4,312 |
| Q3 2024 | $43.5M | $35.7M | $23.8M | $8.1M | $351K | 1.08% | 4.03% | 0.83% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.65% | 52nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.4% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,325 |
| Q2 2024 | $45.9M | $38.2M | $24.3M | $8.0M | $237K | 1.03% | 3.80% | 0.76% | 4,378 |
Loan mix (Q2 2026): real estate $7.9M · commercial $0 · consumer $10.8M · securities $22.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.6% | 80.6% | 52nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Cuyahoga, OH, ranked 34th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 3 | $36.9M* | 0.03% | 34th |
Ohio: 301st with 0.01% · Cleveland metro: 54th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 3 · 2025 3 · 2026 3