| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.1% | -0.9 pts |
| Share growth (YoY) | +2.5% | +3.5% | -1.1 pts |
| Loan growth (YoY) | +9.8% | +2.9% | +7.0 pts |
| ROA | 0.75% | 0.74% | +0.0 pts |
| ROE | 7.6% | 6.5% | +1.1 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $358.6M | $320.6M | $259.1M | $35.3M | $1.3M | 0.75% | 3.85% | 0.61% | 28,288 |
| Q1 2026 | $355.6M | $318.8M | $249.2M | $34.6M | $664K | 0.75% | 3.79% | 0.77% | 28,585 |
| Q4 2025 | $354.1M | $317.8M | $246.3M | $33.9M | $2.0M | 0.58% | 3.54% | 0.84% | 28,800 |
| Q3 2025 | $346.4M | $311.0M | $237.8M | $33.1M | $1.2M | 0.47% | 3.53% | 0.57% | 29,155 |
| Q2 2025 | $347.6M | $312.9M | $235.9M | $32.5M | $570K | 0.33% | 3.41% | 0.62% | 29,518 |
| Q1 2025 | $346.9M | $312.8M | $236.6M | $32.0M | $86K | 0.10% | 3.30% | 0.50% | 29,804 |
| Q4 2024 | $343.9M | $309.0M | $242.7M | $31.9M | $1.7M | 0.50% | 3.12% | 0.55% | 30,006 |
| Q3 2024 | $337.5M | $302.7M | $248.2M | $31.3M | $1.2M | 0.46% | 3.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.74% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 6.5% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 30,361 |
| Q2 2024 | $335.1M | $299.9M | $249.2M | $30.7M | $376K | 0.22% | 3.08% | 0.43% | 30,620 |
Loan mix (Q2 2026): real estate $129.5M · commercial $8.4M · consumer $119.3M · securities $58.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 77.5% | 55th |
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.
7 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Cuyahoga, OH, ranked 21st with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 4 | $183.2M* | 0.16% | 21st |
| Lorain, OH | 2 | $91.6M* | 1.28% | 15th |
| Lake, OH | 1 | $45.8M* | 0.63% | 17th |
Ohio: 104th with 0.05% · Cleveland metro: 23rd, 0.23% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 7 · 2024 7 · 2025 7 · 2026 7