| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.3% | +1.3% | +13.0 pts |
| Share growth (YoY) | +15.7% | +0.9% | +14.7 pts |
| Loan growth (YoY) | -9.5% | -2.6% | -6.9 pts |
| ROA | 1.07% | 0.65% | +0.4 pts |
| ROE | 9.3% | 4.4% | +4.9 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.8M | $6.9M | $2.5M | $902K | $42K | 1.07% | 2.69% | 3.79% | 592 |
| Q1 2026 | $7.8M | $6.9M | $2.5M | $878K | $18K | 0.93% | 2.64% | 3.82% | 597 |
| Q4 2025 | $7.4M | $6.5M | $2.7M | $860K | $38K | 0.51% | 2.55% | 5.02% | 599 |
| Q3 2025 | $7.1M | $6.3M | $2.8M | $878K | $56K | 1.05% | 2.94% | 2.32% | 608 |
| Q2 2025 | $6.8M | $6.0M | $2.8M | $861K | $39K | 1.14% | 2.96% | 1.59% | 617 |
| Q1 2025 | $6.1M | $5.3M | $2.9M | $842K | $19K | 1.25% | 3.51% | 2.10% | 606 |
| Q4 2024 | $6.0M | $5.1M | $2.9M | $822K | $58K | 0.97% | 3.25% | 1.88% | 614 |
| Q3 2024 | $5.8M | $5.0M | $3.1M | $828K | $64K | 1.46% | 3.66% | 0.47% | 623 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.65% | 71st | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.4% | 82nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.9M | $5.1M | $3.0M | $800K | $36K | 1.22% | 3.45% | 0.53% | 629 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.3M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 80.6% | 14th |
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: Guernsey, OH, ranked 9th with 0.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Guernsey, OH | 1 | $6.9M* | 0.72% | 9th |
Ohio: 370th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1