| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +1.3% | -1.7 pts |
| Share growth (YoY) | -1.9% | +0.9% | -2.8 pts |
| Loan growth (YoY) | +1.2% | -2.6% | +3.8 pts |
| ROA | 1.23% | 0.65% | +0.6 pts |
| ROE | 9.1% | 4.4% | +4.7 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.2M | $36.1M | $18.6M | $5.7M | $259K | 1.23% | 4.68% | 1.26% | 4,844 |
| Q1 2026 | $42.7M | $36.8M | $18.0M | $5.5M | $90K | 0.85% | 4.51% | 1.76% | 4,797 |
| Q4 2025 | $41.3M | $35.5M | $18.4M | $5.4M | $675K | 1.63% | 4.68% | 0.44% | 4,780 |
| Q3 2025 | $42.5M | $36.6M | $18.9M | $5.4M | $598K | 1.88% | 4.63% | 0.42% | 4,751 |
| Q2 2025 | $42.4M | $36.8M | $18.4M | $5.1M | $351K | 1.66% | 4.50% | 1.60% | 4,731 |
| Q1 2025 | $41.2M | $35.8M | $18.4M | $5.0M | $165K | 1.61% | 4.54% | 0.59% | 4,701 |
| Q4 2024 | $42.8M | $37.5M | $18.8M | $4.8M | $532K | 1.24% | 4.19% | 1.84% | 4,765 |
| Q3 2024 | $39.8M | $34.6M | $18.7M | $4.8M | $467K | 1.56% | 4.53% | 1.40% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.65% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.4% | 81st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,753 |
| Q2 2024 | $40.9M | $35.9M | $18.8M | $4.6M | $272K | 1.33% | 4.35% | 0.71% | 4,805 |
Loan mix (Q2 2026): real estate $6.2M · commercial $0 · consumer $11.3M · securities $15.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 80.6% | 39th |
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 2025). Biggest market: Cuyahoga, OH, ranked 35th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 2 | $36.1M* | 0.03% | 35th |
Ohio: 303rd with 0.01% · Cleveland metro: 55th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2