| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.7% | +1.3% | +16.4 pts |
| Share growth (YoY) | +18.8% | +0.9% | +17.9 pts |
| Loan growth (YoY) | +11.4% | -2.6% | +14.1 pts |
| ROA | 2.28% | 0.65% | +1.6 pts |
| ROE | 11.5% | 4.4% | +7.1 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $83.4M | $66.8M | $48.0M | $16.5M | $951K | 2.28% | 3.80% | 0.37% | 6,320 |
| Q1 2026 | $81.3M | $65.2M | $44.3M | $16.0M | $473K | 2.33% | 3.82% | 0.24% | 6,268 |
| Q4 2025 | $79.0M | $64.6M | $43.3M | $15.6M | $1.6M | 1.98% | 3.89% | 0.32% | 6,264 |
| Q3 2025 | $72.7M | $57.6M | $43.7M | $15.1M | $1.1M | 2.03% | 4.19% | 0.33% | 6,231 |
| Q2 2025 | $70.9M | $56.2M | $43.1M | $14.7M | $720K | 2.03% | 4.19% | 0.44% | 6,204 |
| Q1 2025 | $71.9M | $57.8M | $42.4M | $14.3M | $317K | 1.76% | 4.06% | 0.25% | 6,178 |
| Q4 2024 | $68.1M | $54.3M | $42.0M | $14.0M | $1.3M | 1.85% | 3.86% | 0.60% | 6,154 |
| Q3 2024 | $67.8M | $54.1M | $41.8M | $13.7M | $951K | 1.87% | 3.78% | 1.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.28% | 0.65% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 4.4% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,145 |
| Q2 2024 | $66.5M | $53.3M | $42.2M | $13.3M | $566K | 1.70% | 3.69% | 1.01% | 6,150 |
Loan mix (Q2 2026): real estate $18.9M · commercial $83K · consumer $23.8M · securities $26.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 80.6% | 9th |
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: Mercer, OH, ranked 8th with 3.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Mercer, OH | 1 | $66.8M* | 3.09% | 8th |
Ohio: 256th with 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1