| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +6.5% | +0.9% | +5.5 pts |
| Loan growth (YoY) | -11.1% | -2.6% | -8.4 pts |
| ROA | 0.78% | 0.65% | +0.1 pts |
| ROE | 7.3% | 4.4% | +2.9 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.2M | $40.3M | $16.4M | $4.8M | $175K | 0.78% | 3.08% | 0.00% | 3,246 |
| Q1 2026 | $45.9M | $41.1M | $16.8M | $4.7M | $68K | 0.59% | 2.98% | 0.00% | 3,280 |
| Q4 2025 | $44.3M | $39.6M | $17.6M | $4.7M | $404K | 0.91% | 3.20% | 0.10% | 3,350 |
| Q3 2025 | $43.0M | $38.5M | $18.1M | $4.5M | $258K | 0.80% | 3.26% | 0.15% | 3,393 |
| Q2 2025 | $42.3M | $37.8M | $18.4M | $4.4M | $163K | 0.77% | 3.31% | 0.00% | 3,431 |
| Q1 2025 | $42.4M | $38.1M | $18.7M | $4.3M | $63K | 0.59% | 3.27% | 0.06% | 3,462 |
| Q4 2024 | $41.8M | $37.5M | $18.9M | $4.3M | $444K | 1.06% | 3.35% | 0.09% | 3,473 |
| Q3 2024 | $39.1M | $34.9M | $19.7M | $4.1M | $310K | 1.06% | 3.55% | 0.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.65% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.4% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,532 |
| Q2 2024 | $40.0M | $35.8M | $20.5M | $4.1M | $225K | 1.12% | 3.49% | 0.04% | 3,601 |
Loan mix (Q2 2026): real estate $3.1M · commercial $0 · consumer $13.0M · securities $23.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 80.6% | 33rd |
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.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Stark, OH, ranked 25th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Stark, OH | 2 | $40.3M* | 0.35% | 25th |
Ohio: 291st with 0.01% · Canton-Massillon metro: 26th, 0.33% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2