| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.2% | +1.3% | -7.5 pts |
| Share growth (YoY) | -5.4% | +0.7% | -6.1 pts |
| Loan growth (YoY) | -2.2% | -2.4% | +0.1 pts |
| ROA | -0.55% | 0.60% | -1.2 pts |
| ROE | -6.1% | 4.1% | -10.2 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.4M | $28.8M | $19.5M | $2.9M | $-45K | -0.55% | 4.11% | 0.71% | 3,457 |
| Q4 2025 | $32.2M | $28.6M | $19.1M | $3.0M | $-308K | -0.96% | 4.23% | 1.84% | 3,474 |
| Q3 2025 | $32.3M | $28.4M | $19.5M | $3.4M | $-20K | -0.08% | 4.24% | 2.18% | 3,532 |
| Q2 2025 | $34.0M | $30.0M | $20.2M | $3.3M | $-28K | -0.17% | 4.01% | 2.52% | 3,570 |
| Q1 2025 | $34.5M | $30.5M | $19.9M | $3.3M | $-29K | -0.34% | 3.85% | 1.43% | 3,557 |
| Q4 2024 | $33.9M | $30.2M | $20.8M | $3.4M | $-41K | -0.12% | 4.06% | 1.34% | 3,634 |
| Q3 2024 | $33.0M | $29.3M | $19.7M | $3.5M | $-47K | -0.19% | 4.18% | 0.67% | 3,754 |
| Q2 2024 | $34.1M | $30.3M | $20.1M | $3.5M | $-18K | -0.10% | 3.99% | 0.68% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.55% | 0.60% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | -6.1% | 4.1% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,839 |
Loan mix (Q1 2026): real estate $10.2M · commercial $0 · consumer $9.2M · securities $8.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.3% | 81.5% | 72nd |
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 2024). Biggest market: Cuyahoga, OH, ranked 36th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 1 | $30.0M* | 0.03% | 36th |
Ohio: 314th with 0.00% · Cleveland metro: 58th, 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1