| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -2.5% | +0.9% | -3.5 pts |
| Loan growth (YoY) | -5.9% | -2.6% | -3.3 pts |
| ROA | 1.05% | 0.65% | +0.4 pts |
| ROE | 6.9% | 4.4% | +2.5 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.2M | $16.1M | $8.5M | $2.9M | $101K | 1.05% | 5.24% | 0.67% | 3,166 |
| Q1 2026 | $20.2M | $17.1M | $8.8M | $2.9M | $61K | 1.20% | 4.97% | 0.73% | 3,161 |
| Q4 2025 | $19.4M | $16.4M | $8.9M | $2.8M | $296K | 1.53% | 5.41% | 0.48% | 3,163 |
| Q3 2025 | $19.3M | $16.4M | $8.7M | $2.8M | $232K | 1.61% | 5.45% | 0.63% | 3,251 |
| Q2 2025 | $19.5M | $16.6M | $9.1M | $2.7M | $161K | 1.65% | 5.41% | 0.74% | 3,363 |
| Q1 2025 | $19.9M | $16.9M | $9.2M | $2.6M | $94K | 1.89% | 5.26% | 0.84% | 3,355 |
| Q4 2024 | $19.1M | $16.4M | $8.8M | $2.5M | $365K | 1.91% | 5.57% | 0.65% | 3,359 |
| Q3 2024 | $18.8M | $16.2M | $8.6M | $2.5M | $283K | 2.00% | 5.65% | 0.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.65% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,477 |
| Q2 2024 | $19.6M | $17.0M | $8.3M | $2.4M | $194K | 1.98% | 5.49% | 0.78% | 3,501 |
Loan mix (Q2 2026): real estate $3.5M · commercial $0 · consumer $4.8M · securities $8.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 80.6% | 38th |
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: Hamilton, OH, ranked 44th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, OH | 1 | $16.1M* | 0.01% | 44th |
Ohio: 340th with 0.00% · Cincinnati metro: 80th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1