| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +4.1% | +0.7% | +3.4 pts |
| Loan growth (YoY) | +3.8% | -2.4% | +6.2 pts |
| ROA | 1.80% | 0.60% | +1.2 pts |
| ROE | 14.8% | 4.1% | +10.7 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.8M | $19.9M | $16.2M | $2.8M | $103K | 1.80% | 5.13% | 0.34% | 2,706 |
| Q4 2025 | $23.2M | $20.4M | $15.8M | $2.7M | $357K | 1.54% | 4.87% | 0.19% | 2,693 |
| Q3 2025 | $23.1M | $20.4M | $16.0M | $2.6M | $422K | 2.44% | 4.82% | 0.39% | 2,667 |
| Q2 2025 | $22.1M | $19.5M | $15.9M | $2.5M | $47K | 0.43% | 2.31% | 0.90% | 3,049 |
| Q1 2025 | $21.7M | $19.1M | $15.6M | $2.4M | $106K | 1.96% | 4.91% | 0.73% | 3,035 |
| Q4 2024 | $21.4M | $19.0M | $15.7M | $2.3M | $390K | 1.82% | 5.15% | 1.27% | 3,059 |
| Q3 2024 | $22.1M | $19.7M | $16.2M | $2.2M | $301K | 1.82% | 4.96% | 0.55% | 3,098 |
| Q2 2024 | $20.8M | $18.6M | $16.4M | $2.1M | $216K | 2.07% | 5.18% | 0.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 0.60% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,090 |
Loan mix (Q1 2026): real estate $29K · commercial $0 · consumer $15.7M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.1% | 81.5% | 18th |
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.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Ashland, OH, ranked 11th with 1.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ashland, OH | 1 | $19.5M* | 1.69% | 11th |
Ohio: 336th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1