| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +1.3% | +8.9 pts |
| Share growth (YoY) | +9.1% | +0.9% | +8.2 pts |
| Loan growth (YoY) | +9.3% | -2.6% | +11.9 pts |
| ROA | 1.54% | 0.65% | +0.9 pts |
| ROE | 12.5% | 4.4% | +8.1 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.2M | $29.0M | $20.5M | $4.1M | $256K | 1.54% | 4.12% | 1.63% | 2,151 |
| Q1 2026 | $32.4M | $28.3M | $20.0M | $4.0M | $115K | 1.42% | 4.09% | 1.98% | 2,173 |
| Q4 2025 | $32.2M | $28.3M | $18.6M | $3.8M | $519K | 1.61% | 4.25% | 1.68% | 2,187 |
| Q3 2025 | $30.3M | $26.4M | $18.5M | $3.7M | $370K | 1.63% | 4.45% | 1.65% | 2,217 |
| Q2 2025 | $30.1M | $26.5M | $18.7M | $3.6M | $235K | 1.56% | 4.41% | 2.32% | 2,240 |
| Q1 2025 | $30.1M | $26.6M | $18.6M | $3.4M | $110K | 1.46% | 4.27% | 1.96% | 2,225 |
| Q4 2024 | $29.1M | $25.6M | $18.8M | $3.3M | $465K | 1.60% | 4.46% | 0.83% | 2,226 |
| Q3 2024 | $28.8M | $25.5M | $18.8M | $3.2M | $356K | 1.65% | 4.50% | 1.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 0.65% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 4.4% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,256 |
| Q2 2024 | $28.6M | $25.4M | $19.7M | $3.1M | $251K | 1.75% | 4.52% | 1.20% | 2,337 |
Loan mix (Q2 2026): real estate $15.7M · commercial $0 · consumer $4.3M · securities $10.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 80.6% | 25th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Butler, OH, ranked 23rd with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Butler, OH | 2 | $29.0M* | 0.29% | 23rd |
Ohio: 318th with 0.00% · Cincinnati metro: 69th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2