| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +4.1% | +6.8 pts |
| Share growth (YoY) | +12.9% | +3.5% | +9.3 pts |
| Loan growth (YoY) | +2.6% | +2.9% | -0.3 pts |
| ROA | 0.49% | 0.74% | -0.2 pts |
| ROE | 2.9% | 6.5% | -3.6 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $113.7M | $93.8M | $25.7M | $19.7M | $281K | 0.49% | 1.95% | 0.01% | 3,194 |
| Q1 2026 | $110.9M | $91.1M | $26.3M | $19.5M | $133K | 0.48% | 1.98% | 0.00% | 3,208 |
| Q4 2025 | $105.2M | $85.6M | $26.6M | $19.4M | $507K | 0.48% | 2.18% | 0.00% | 3,218 |
| Q3 2025 | $102.2M | $82.7M | $25.3M | $19.3M | $423K | 0.55% | 2.27% | 0.00% | 3,246 |
| Q2 2025 | $102.5M | $83.1M | $25.0M | $19.2M | $276K | 0.54% | 2.24% | 0.00% | 3,270 |
| Q1 2025 | $101.9M | $82.8M | $23.3M | $19.0M | $131K | 0.51% | 2.24% | 0.00% | 3,283 |
| Q4 2024 | $101.5M | $82.5M | $22.2M | $18.9M | $894K | 0.88% | 2.46% | 0.01% | 3,314 |
| Q3 2024 | $100.7M | $81.8M | $21.5M | $18.7M | $755K | 1.00% | 2.53% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.74% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 6.5% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.95% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.01% |
| 3,323 |
| Q2 2024 | $101.3M | $82.4M | $20.9M | $18.5M | $521K | 1.03% | 2.52% | 0.00% | 3,316 |
Loan mix (Q2 2026): real estate $23.4M · commercial $1.5M · consumer $719K · securities $61.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.4% | 77.5% | 42nd |
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.
4 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Stark, OH, ranked 24th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stark, OH | 2 | $46.9M* | 0.41% | 24th |
| Lorain, OH | 1 | $23.5M* | 0.33% | 23rd |
| Cuyahoga, OH | 1 | $23.5M* | 0.02% | 39th |
Ohio: 218th with 0.02% · Canton-Massillon metro: 24th, 0.39% · Cleveland metro: 50th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4