| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.6% | +1.3% | -8.9 pts |
| Share growth (YoY) | -7.3% | +0.9% | -8.2 pts |
| Loan growth (YoY) | +43.0% | -2.6% | +45.6 pts |
| ROA | -0.65% | 0.65% | -1.3 pts |
| ROE | -5.5% | 4.4% | -9.9 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $365K | $326K | $88K | $43K | $-1K | -0.65% | 4.30% | 0.36% | 330 |
| Q1 2026 | $362K | $321K | $61K | $44K | $-243 | -0.27% | 3.86% | 0.37% | 345 |
| Q4 2025 | $362K | $320K | $58K | $45K | $-3K | -0.96% | 4.98% | 1.38% | 363 |
| Q3 2025 | $381K | $337K | $59K | $45K | $-3K | -1.07% | 4.74% | 3.05% | 374 |
| Q2 2025 | $395K | $351K | $61K | $44K | $-4K | -1.97% | 4.38% | 3.55% | 367 |
| Q1 2025 | $424K | $351K | $57K | $48K | $-1K | -1.37% | 4.31% | 0.73% | 368 |
| Q4 2024 | $419K | $335K | $64K | $48K | $55 | 0.01% | 3.83% | 0.12% | 398 |
| Q3 2024 | $401K | $343K | $80K | $57K | $2K | 0.62% | 4.74% | 0.18% | 377 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.65% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -5.5% | 4.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $403K |
| $345K |
| $87K |
| $57K |
| $2K |
| 0.86% |
| 4.62% |
| 0.53% |
| 378 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $86K · securities $141K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 115.0% | 80.6% | 94th |
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: Cuyahoga, OH, ranked 62nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 1 | $326K* | 0.00% | 62nd |
Ohio: 399th with 0.00% · Cleveland metro: 85th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1