| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.6% | +1.3% | -5.9 pts |
| Share growth (YoY) | -7.7% | +0.7% | -8.4 pts |
| Loan growth (YoY) | -6.9% | -2.4% | -4.6 pts |
| ROA | 1.82% | 0.60% | +1.2 pts |
| ROE | 10.4% | 4.1% | +6.2 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.0M | $25.3M | $12.7M | $5.5M | $141K | 1.82% | 4.91% | 0.82% | 2,015 |
| Q4 2025 | $31.1M | $25.6M | $13.3M | $5.3M | $609K | 1.96% | 5.23% | 0.80% | 2,035 |
| Q3 2025 | $31.5M | $26.1M | $13.6M | $5.1M | $439K | 1.86% | 5.20% | 0.51% | 2,050 |
| Q2 2025 | $31.7M | $26.5M | $13.4M | $5.0M | $282K | 1.78% | 5.13% | 0.18% | 2,054 |
| Q1 2025 | $32.5M | $27.4M | $13.7M | $4.9M | $188K | 2.31% | 5.04% | 0.21% | 2,071 |
| Q4 2024 | $33.3M | $28.4M | $13.8M | $4.7M | $201K | 0.60% | 4.87% | 0.19% | 2,095 |
| Q3 2024 | $33.0M | $27.8M | $13.7M | $5.0M | $494K | 2.00% | 4.83% | 0.37% | 2,113 |
| Q2 2024 | $33.3M | $28.3M | $14.0M | $4.8M | $303K | 1.82% | 4.63% | 0.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 0.60% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,165 |
Loan mix (Q1 2026): real estate $2.5M · commercial $0 · consumer $10.2M · securities $17.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 81.5% | 22nd |
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 2024). Biggest market: Hamilton, OH, ranked 44th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hamilton, OH | 2 | $26.5M* | 0.02% | 44th |
Ohio: 322nd with 0.00% · Cincinnati metro: 74th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 1 · 2024 2 · 2025 2