| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.0% | +4.1% | +7.9 pts |
| Share growth (YoY) | +0.1% | +3.5% | -3.5 pts |
| Loan growth (YoY) | +2.6% | +2.9% | -0.3 pts |
| ROA | 0.55% | 0.74% | -0.2 pts |
| ROE | 5.3% | 6.5% | -1.1 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $166.5M | $128.2M | $101.9M | $17.2M | $459K | 0.55% | 4.21% | 0.47% | 15,691 |
| Q1 2026 | $148.8M | $129.7M | $100.4M | $16.9M | $181K | 0.49% | 4.66% | 0.64% | 15,900 |
| Q4 2025 | $148.5M | $128.8M | $99.4M | $16.7M | $554K | 0.37% | 4.70% | 0.93% | 16,098 |
| Q3 2025 | $148.1M | $127.6M | $100.5M | $16.8M | $348K | 0.31% | 4.67% | 1.00% | 16,307 |
| Q2 2025 | $148.7M | $128.1M | $99.4M | $16.6M | $174K | 0.23% | 4.60% | 1.04% | 16,584 |
| Q1 2025 | $148.3M | $126.8M | $97.3M | $16.6M | $164K | 0.44% | 4.53% | 1.14% | 16,585 |
| Q4 2024 | $144.2M | $122.3M | $96.0M | $16.4M | $581K | 0.40% | 4.59% | 1.90% | 19,420 |
| Q3 2024 | $143.3M | $120.8M | $96.4M | $16.7M | $592K | 0.55% | 4.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.74% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 6.5% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 2.06% |
| 19,510 |
| Q2 2024 | $143.9M | $121.9M | $96.2M | $16.6M | $449K | 0.62% | 4.55% | 1.36% | 19,622 |
Loan mix (Q2 2026): real estate $58.6M · commercial $2.3M · consumer $40.8M · securities $47.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 77.5% | 73rd |
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.
6 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Stark, OH, ranked 19th with 0.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stark, OH | 3 | $64.1M* | 0.56% | 19th |
| Summit, OH | 2 | $42.7M* | 0.24% | 30th |
| Cuyahoga, OH | 1 | $21.4M* | 0.02% | 41st |
Ohio: 188th with 0.02% · Canton-Massillon metro: 20th, 0.53% · Akron metro: 31st, 0.20% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 6 · 2025 6 · 2026 6