| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.9% | +1.3% | +17.7 pts |
| Share growth (YoY) | +21.6% | +0.9% | +20.7 pts |
| Loan growth (YoY) | +17.4% | -2.6% | +20.1 pts |
| ROA | 0.75% | 0.65% | +0.1 pts |
| ROE | 5.8% | 4.4% | +1.4 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $32.7M | $28.4M | $10.3M | $4.2M | $122K | 0.75% | 2.85% | 0.34% | 1,673 |
| Q1 2026 | $31.6M | $27.4M | $9.8M | $4.1M | $62K | 0.78% | 2.88% | 0.11% | 1,673 |
| Q4 2025 | $31.0M | $26.8M | $9.6M | $4.1M | $194K | 0.63% | 2.72% | 0.38% | 1,676 |
| Q3 2025 | $28.2M | $24.1M | $9.5M | $4.1M | $163K | 0.77% | 2.96% | 0.25% | 1,687 |
| Q2 2025 | $27.5M | $23.4M | $8.8M | $4.0M | $133K | 0.97% | 3.03% | 0.18% | 1,685 |
| Q1 2025 | $26.5M | $22.5M | $8.5M | $4.0M | $75K | 1.13% | 3.15% | 0.08% | 1,685 |
| Q4 2024 | $25.9M | $22.0M | $8.7M | $3.9M | $249K | 0.96% | 3.24% | 0.84% | 1,693 |
| Q3 2024 | $25.2M | $21.3M | $9.0M | $3.8M | $194K | 1.03% | 3.31% | 0.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.65% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,693 |
| Q2 2024 | $26.2M | $22.4M | $9.2M | $3.8M | $133K | 1.01% | 3.13% | 0.36% | 1,700 |
Loan mix (Q2 2026): real estate $251K · commercial $0 · consumer $8.6M · securities $20.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 80.6% | 32nd |
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 2025). Biggest market: Wyandot, OH, ranked 7th with 3.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Wyandot, OH | 1 | $28.4M* | 3.80% | 7th |
Ohio: 319th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1