| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +1.3% | +3.6 pts |
| Share growth (YoY) | +4.3% | +0.9% | +3.4 pts |
| Loan growth (YoY) | -0.1% | -2.6% | +2.5 pts |
| ROA | 2.32% | 0.65% | +1.7 pts |
| ROE | 12.6% | 4.4% | +8.2 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $32.9M | $26.7M | $15.8M | $6.0M | $380K | 2.32% | 4.64% | 0.56% | 2,811 |
| Q1 2026 | $32.5M | $26.5M | $15.1M | $5.9M | $191K | 2.36% | 4.63% | 0.34% | 2,822 |
| Q4 2025 | $32.8M | $27.0M | $15.5M | $5.7M | $398K | 1.21% | 3.83% | 0.55% | 2,834 |
| Q3 2025 | $33.1M | $27.2M | $15.7M | $5.8M | $549K | 2.21% | 4.75% | 0.69% | 2,843 |
| Q2 2025 | $31.3M | $25.6M | $15.8M | $5.6M | $346K | 2.21% | 4.94% | 0.18% | 2,830 |
| Q1 2025 | $31.2M | $25.7M | $15.4M | $5.4M | $152K | 1.94% | 4.89% | 0.10% | 2,836 |
| Q4 2024 | $30.9M | $25.5M | $15.4M | $5.3M | $742K | 2.40% | 4.87% | 0.24% | 2,856 |
| Q3 2024 | $31.0M | $25.8M | $15.2M | $5.1M | $610K | 2.62% | 4.83% | 0.27% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.32% | 0.65% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 4.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,884 |
| Q2 2024 | $31.6M | $26.4M | $14.6M | $4.9M | $419K | 2.65% | 4.62% | 0.37% | 2,892 |
Loan mix (Q2 2026): real estate $1.9M · commercial $0 · consumer $12.1M · securities $11.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 80.6% | 12th |
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: Stark, OH, ranked 29th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stark, OH | 3 | $26.7M* | 0.23% | 29th |
Ohio: 320th with 0.00% · Canton-Massillon metro: 30th, 0.22% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 2 · 2024 2 · 2025 3 · 2026 3