| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.5% | +1.3% | +17.2 pts |
| Share growth (YoY) | +20.1% | +0.9% | +19.1 pts |
| Loan growth (YoY) | +9.5% | -2.6% | +12.1 pts |
| ROA | 0.33% | 0.65% | -0.3 pts |
| ROE | 2.4% | 4.4% | -1.9 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $93.2M | $82.4M | $36.7M | $12.6M | $154K | 0.33% | 2.91% | 0.38% | 5,037 |
| Q1 2026 | $95.8M | $84.8M | $37.5M | $12.6M | $161K | 0.67% | 2.84% | 0.21% | 5,069 |
| Q4 2025 | $80.9M | $71.1M | $31.2M | $11.4M | $156K | 0.19% | 2.32% | 0.10% | 3,499 |
| Q3 2025 | $78.0M | $68.4M | $32.0M | $11.4M | $163K | 0.28% | 2.33% | 0.11% | 3,524 |
| Q2 2025 | $78.7M | $68.6M | $33.5M | $11.4M | $157K | 0.40% | 2.25% | 0.22% | 3,543 |
Loan mix (Q2 2026): real estate $7.2M · commercial $19.9M · consumer $8.6M · securities $45.0M
| Ratio | Value | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.65% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.88% | 14th | |
Efficiency ratio |
Peer lists, growth filters, CSV export, CRM push.
| 86.0% |
| 80.6% |
63rd |
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 (5q) | 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 (5q) | 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 (5q) | 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 (5q) | 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 (5q) | 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.
5 branches in 4 counties across 3 states (+1 vs 2025). Biggest market: Stark, OH, ranked 28th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stark, OH | 2 | $32.9M* | 0.29% | 28th |
| Hamilton, IN | 1 | $16.5M* | 0.05% | 34th |
| Butler, PA | 1 | $16.5M* | 0.22% | 27th |
| 1 more county with Pro → | ||||
Ohio: 285th with 0.01% · Indiana: 238th with 0.01% · Pennsylvania: 340th with 0.00% · Canton-Massillon metro: 29th, 0.27% · Indianapolis-Carmel-Greenwood metro: 70th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2025 4 · 2026 5