| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +1.3% | +6.9 pts |
| Share growth (YoY) | +8.0% | +0.9% | +7.0 pts |
| Loan growth (YoY) | +16.1% | -2.6% | +18.7 pts |
| ROA | 0.66% | 0.65% | +0.0 pts |
| ROE | 7.4% | 4.4% | +3.0 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.6M | $3.3M | $1.6M | $323K | $12K | 0.66% | 1.96% | 0.00% | 526 |
| Q1 2026 | $3.6M | $3.2M | $1.6M | $322K | $31K | 3.44% | 4.20% | 0.24% | 525 |
| Q4 2025 | $3.5M | $3.1M | $1.4M | $311K | $33K | 0.96% | 1.71% | 0.00% | 527 |
| Q3 2025 | $3.4M | $3.1M | $1.5M | $298K | $20K | 0.76% | 1.48% | 0.00% | 525 |
| Q2 2025 | $3.4M | $3.1M | $1.4M | $290K | $12K | 0.70% | 1.41% | 0.00% | 519 |
| Q1 2025 | $3.1M | $2.8M | $1.5M | $286K | $8K | 1.00% | 1.86% | 0.08% | 525 |
| Q4 2024 | $3.0M | $2.8M | $1.5M | $278K | $10K | 0.32% | 1.38% | 0.08% | 524 |
| Q3 2024 | $2.7M | $2.4M | $1.5M | $273K | $5K | 0.24% | 1.35% | 0.00% | 520 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.65% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 4.4% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 1.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.7M |
| $2.4M |
| $1.4M |
| $270K |
| $1K |
| 0.10% |
| 1.33% |
| 0.00% |
| 518 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.5M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.0% | 80.6% | 2nd |
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: Defiance, OH, ranked 13th with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Defiance, OH | 1 | $3.3M* | 0.23% | 13th |
Ohio: 386th with 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1