| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +3.8% | +0.9% | +2.9 pts |
| Loan growth (YoY) | -0.2% | -2.6% | +2.4 pts |
| ROA | 0.74% | 0.65% | +0.1 pts |
| ROE | 5.3% | 4.4% | +0.9 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.7M | $32.4M | $15.3M | $5.2M | $139K | 0.74% | 3.05% | 0.27% | 2,246 |
| Q1 2026 | $36.9M | $31.7M | $15.1M | $5.2M | $70K | 0.76% | 3.09% | 0.53% | 2,227 |
| Q4 2025 | $36.7M | $31.5M | $15.4M | $5.1M | $259K | 0.71% | 2.90% | 0.76% | 2,235 |
| Q3 2025 | $36.3M | $31.2M | $15.5M | $5.1M | $211K | 0.78% | 2.90% | 0.42% | 2,329 |
| Q2 2025 | $36.3M | $31.2M | $15.3M | $5.0M | $152K | 0.84% | 2.86% | 0.34% | 2,335 |
| Q1 2025 | $36.6M | $31.6M | $15.3M | $4.9M | $69K | 0.75% | 2.73% | 0.37% | 2,327 |
| Q4 2024 | $35.0M | $29.8M | $15.6M | $4.9M | $185K | 0.53% | 2.52% | 0.30% | 2,336 |
| Q3 2024 | $34.6M | $29.6M | $15.8M | $4.8M | $138K | 0.53% | 2.48% | 0.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.65% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,392 |
| Q2 2024 | $35.0M | $30.1M | $15.7M | $4.7M | $66K | 0.38% | 2.30% | 0.44% | 2,401 |
Loan mix (Q2 2026): real estate $8.4M · commercial $0 · consumer $6.3M · securities $16.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 80.6% | 25th |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Ross, OH, ranked 12th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ross, OH | 2 | $32.4M* | 1.95% | 12th |
Ohio: 310th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2