| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +4.7% | +5.3 pts |
| Share growth (YoY) | +9.4% | +4.2% | +5.2 pts |
| Loan growth (YoY) | +7.6% | +4.3% | +3.3 pts |
| ROA | 1.15% | 0.75% | +0.4 pts |
| ROE | 11.9% | 6.9% | +5.0 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 | $579.9M | $525.1M | $354.7M | $55.8M | $3.3M | 1.15% | 3.78% | 0.82% | 36,716 |
| Q1 2026 | $569.5M | $516.3M | $339.4M | $54.4M | $2.0M | 1.38% | 3.86% | 0.84% | 36,412 |
| Q4 2025 | $554.6M | $505.9M | $340.1M | $52.5M | $6.6M | 1.18% | 3.81% | 0.95% | 36,461 |
| Q3 2025 | $541.0M | $490.8M | $327.7M | $50.2M | $4.3M | 1.05% | 3.86% | 0.89% | 36,593 |
| Q2 2025 | $527.6M | $480.1M | $329.8M | $48.3M | $2.4M | 0.91% | 3.89% | 0.86% | 36,569 |
| Q1 2025 | $516.8M | $472.4M | $332.3M | $46.8M | $856K | 0.66% | 3.82% | 0.72% | 36,355 |
| Q4 2024 | $495.9M | $451.5M | $333.7M | $46.0M | $4.4M | 0.89% | 3.79% | 1.05% | 36,176 |
| Q3 2024 | $476.7M | $434.1M | $325.6M | $44.9M | $3.4M | 0.94% | 3.90% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.75% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 6.9% | 91st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.54% |
Peer lists, growth filters, CSV export, CRM push.
| 0.92% |
| 36,172 |
| Q2 2024 | $470.1M | $422.3M | $318.7M | $43.4M | $1.8M | 0.76% | 3.87% | 0.78% | 35,918 |
Loan mix (Q2 2026): real estate $118.6M · commercial $33.3M · consumer $181.5M · securities $166.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 77.1% | 25th |
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.
8 branches in 3 counties across 1 state (+2 vs 2025). Biggest market: Huron, OH, ranked 1st with 19.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Huron, OH | 5 | $328.2M* | 19.14% | 1st |
| Crawford, OH | 2 | $131.3M* | 10.56% | 4th |
| Erie, OH | 1 | $65.6M* | 2.70% | 8th |
Ohio: 75th with 0.08% · Sandusky metro: 13th, 1.73% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 8